Toto Insurance Review

Owning a dog or cat comes with a lot of responsibility, and while they are absolutely worth all of the hard work, when your pet becomes sick or injured it can be overwhelmingly stressful figuring out how to get them the best care possible. With vet bills commonly in the hundreds, if not thousands, being able to afford high-quality care can be extremely difficult and can leave some pet owners struggling between going into debt or forgoing necessary treatment.

Helping to keep both your pet and wallet protected, Toto Pet Insurance has been offering pet parents affordable, comprehensive coverage that they can depend on without any of the common “gotchas” or hidden fees. No more stressful decisions or impossible vet bills, Toto is there to reduce those worries and can help to reimburse you for eligible costs the next time your dog or cat becomes ill or injured. Their nose-to-tail coverage is provided at one straightforward, flat-rate so you can budget monthly instead of draining your savings at the clinic.

Backed by The Connected Pet Company LLC and underwritten by Independence American Insurance Company, Toto Pet Insurance allows you to put your focus onto your pet when they need it most, and they allow you to visit any licensed vet in the USA or Canada. With flexible coverage and up to 90% in reimbursement available, Toto is focused on providing you with transparent coverage you can depend on and with plans starting at only $1/day, you never have to compromise on quality in order to stay within your budget.

Not all pets are the same, nor are their needs, which is why Toto Pet Insurance has made their policies customizable to suit your preferences. Unlike many one-size-fits-all policies that exist, Toto allows you to have a say in what type of coverage you receive, meaning you pay for what you want and save on areas that you don’t want. 

Offering both accident-only and accident and illness policies, Toto gives you a well-rounded policy that includes all of the common coverage you would expect, as well as some additional things that aren’t typically seen from other providers. For example, all policies for pets of any age will help cover eligible expenses related to a broken bone, but they also cover the exam fees at no extra cost.

Broken down into 3 tiers, the accident and illness plan will give pets under the age of 9 comprehensive coverage regardless of which level you decide is best for you. The main difference between the 3 options is simply how much you can claim per year, with annual benefits ranging from $2,500 up to $15,000. Those on a budget can save money on their premiums by choosing a lower limit, while still enjoying the same high-quality coverage for thighs such as:

For dogs or cats over the age of 9, Toto Pet Insurance still has policies available for you and you can enjoy accident-only coverage at an affordable monthly price. These accident-only policies still include the added benefits of exam and alternative care coverage at no extra cost.

One of the great things about Toto’s policies is they are fully customizable to meet your preferences and needs. From annual limits to reimbursement percentages and deductibles, Toto allows you to pick and choose exactly what you like so you can create a policy that gives you everything you want, while still remaining affordable. 

Starting with annual benefits, Toto’s accident and illness plans are available with 3 different limits: $2,500, $7,500, and $15,000. Although there are no lifetime limits on policies, these caps are in place each year and inform how much you can claim before your coverage runs out. How much you decide on is a personal choice, but the $7,500 annual limit is the most popular option to date.

Like with the annual limit, you can also select the deductible you want to pay each year before your coverage kicks in. Set at either $100, $250, or $500 this simply refers to your out of pocket expenses that you are responsible for. Once your deductible has been met, the only thing left is your reimbursement percentage which can be 70%, 80%, or 90%. Broken down, your reimbursement is how much Toto will give you back for eligible vet visits, with the remaining percentage how much you will need to pay yourself. 

The selections you make will impact your premiums, with higher annual limits and higher reimbursement percentages likely increasing your costs. However, everything is laid out clearly when you sign up, and you can use their free, online quote calculator to play around with the numbers and see what your monthly premiums would be depending on the options you choose.

Once you have met your deductible you are then able to start submitting claims in order to get reimbursed by your policy. How much your reimbursement will be depends on a few factors, including what the reason for the vet visit was, what is covered under your policy, and what your reimbursement percentage is set at.

For policies with a reimbursement percentage of 80%, for example, Toto will cover 80% of all eligible costs leaving you responsible for only 20% of the bill. If your eligible vet visits happen to be $1,000, this would mean Toto could reimburse you $800 while you would need to pay only $200 out of pocket (plus your deductible). 

Keeping the claim process straightforward and simple, Toto gives pet owners a full 180 days from the time of treatment to file, meaning you don’t have to stress about meeting a short deadline while also worrying about your pet’s health. Once you do file, however, the rest of the process is quite quick and many owners find they receive their reimbursement in as little as 3 to 4 business days. 

Pricing for Toto’s policies depend on a number of factors, such as the age of your pet, where you live, and how you customize your policy. Higher annual limits and reimbursement percentages can mean increased premiums, while lower limits and higher deductible amounts can help save you money each money. Because of how personalized each policy is, the best way to find out how much you could expect to pay is by taking advantage of the free quote calculator offered by Toto.

Found on their website, Toto allows you to input some general information about your pet, add in your location, and then pick and choose the options that are right for you. As you play around with the reimbursement percentage, annual limit, and deductible the quote quill automatically updates to match so you can find what best matches your budget. When you do find that sweet spot between affordable and comprehensive, you can then finalize everything directly online without needing to call in or fill out a ton of additional paperwork,

Policies with Toto start at only $1/day, which is much less than what some emergency vet bills can total. Helping to save you money on eligible unexpected costs, Toto Pet Insurance puts aside those monthly premiums so that you don’t have to worry the next time your pet gets sick or injured. Featuring no hidden fees or common “gotchas”, pricing with Toto is upfront and transparent, providing you with a flat monthly fee so that you get the protection and assistance you need, when you need it most.

Getting started with Toto is easy and everything can be done directly from their easy-to-navigate website. Starting with the free quote process, you will answer a few short questions about your pet and then pick and choose the customizations you want. Quick and hassle-free, you can enjoy your quote in only a few short minutes from start to finish.

Once you have enrolled with a Toto Pet Insurance policy you are then subject to a short waiting period before your coverage becomes active. For accidents, that waiting period is a mere 2 days, while illnesses have a longer 14-day wait period. So long as there are no gaps in your coverage, this waiting period only applies to the first time you enroll, and you will not have to wait each year when you renew your policy.

Have additional questions or prefer to set up your policy over the phone? Toto has knowledgeable and high-trained agents available for you to contact who can answer any questions you may have. You can reach out by phone or email to learn more and to begin the enrollment process.

Pet care doesn’t just begin when an accident or illness occurs, and there are ways you can keep your pet healthy all year round to help prevent some common illness or accidents from occuring. Wellness coverage, also referred to as “preventative care” or “routine care”, is an add-on that Toto offers to pet owners who want to help offset some of the costs of general care not covered by their policy.

Wellness coverage can provide pet owners with annual reimbursement for common routine things such as:

Completely optional, Wellness Coverage is available to add-on at the time of enrollment and you will have a choice between Basic or Prime. Certain care, such as spaying, neutering, or dental cleanings are only available to those with a Prime plan, and there is also a difference in the annual amount you can be reimbursed for, with Basic having a lower reimbursement amount.

If you are interested in Wellness Coverage, you can learn more about what is offered by visiting the Toto website. You can also see how much the add-on coverage would impact your premiums by selecting it during your free quote process.

Offering pet owners insurance with heart, Toto is an upfront, transparent provider with comprehensive plans that start at only $1/day. Affordable, personalized, and with added benefits not seen from typical providers, Toto gives pet parents the peace of mind they need when accidents or illnesses occur.

To contact Toto Pet Insurance you can visit their website directly or reach out by phone at 1-888-TOTOPET. Available Monday to Friday, 8:30am -8pm EST, as well as Saturdays from 10am - 3pm EST, you will be able to speak directly to a knowledgeable agent who will happily answer any questions you may have. In addition, you can also send an email to [email protected].