Toto Pet Insurance
$16–$60/month
Toto Review Summary
Toto Pet Insurance, founded in 2018, has built a steady operational record in the competitive mid-tier segment. Coverage hits the key markers: hereditary conditions, congenital conditions, cancer, and orthopedic issues without breed exclusions. Pricing is competitive with peers like PetPremium and Prudent Pet. The gaps are familiar: no dental illness, no exam fees, no behavioral therapy, no alternative therapies. Toto doesn't have the brand recognition of Embrace or the tech innovation of Lemonade, but for owners who've done their research and want solid foundational coverage at fair prices, Toto is a dependable if understated choice.
Pros & Cons
✅ Pros
- ✓Established since 2018 with a stable track record
- ✓Covers hereditary and orthopedic conditions
- ✓Competitive mid-tier pricing
- ✓No breed exclusions, no upper age limit
- ✓Clean digital enrollment and management
⚠️ Cons
- ✗No dental illness, exam fees, or behavioral therapy
- ✗No alternative therapy coverage
- ✗Less brand recognition than top competitors
- ✗Limited marketing presence
Coverage Details
| Monthly Premium | $16–$60 |
| Annual Deductible | $100–$500 |
| Reimbursement Options | 70%, 80%, 90% |
| Annual Limit Options | $5,000, $10,000, Unlimited |
| Accident Waiting Period | 2 days |
| Illness Waiting Period | 14 days |
| Age Limit | None |
| Hereditary Conditions | ✓ Covered |
| Bilateral Conditions | ✓ Covered |
| Dental Illness | ✗ Not covered |
| Exam Fees | ✗ Not covered |
| Behavioral Therapy | ✗ Not covered |
| Cancer Treatment | ✓ Covered |
| Alternative Therapies | ✗ Not covered |
| Wellness Add-on | ✓ Available |
| Breed Exclusions | ✓ No breed exclusions |
What's Covered
- ✓ accidents
- ✓ illnesses
- ✓ hereditary conditions
- ✓ congenital conditions
- ✓ cancer
- ✓ orthopedic conditions
- ✓ prescription medications
What's Excluded
- ✗ pre-existing conditions
- ✗ dental illness
- ✗ exam fees
- ✗ behavioral therapy
- ✗ alternative therapy
- ✗ elective procedures
- ✗ breeding costs
Best For
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