Toto Pet Insurance Reviews

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Terrier dog sitting (Caption: Toto Pet Insurance Reviews)

Toto was founded in 2018 and offers accident and illness coverage for your furry family members. Plans are customizable with various deductible, reimbursement, and payout limit options.

Toto is unique because it offers Final Respect coverage, an optional add-on that reimburses you up to $300 for the cost of necropsy (autopsy), cremation, and urns. Other pet insurance companies don’t offer coverage for these items.

Toto doesn’t allow you to transfer their plan over to someone else if ownership of the pet changes. This is something that other competitors allow through their policies. Additionally, Toto may change your premium, coinsurance amount, annual deductible, and policy terms and conditions at renewal.

Toto Overall Rating


Our pet insurance experts read through each pet insurance companies’ policy to provide detailed comparisons and information regarding how a provider fares against others in the industry. We also speak with customers, read online feedback, and communicate one-on-one with the pet insurance companies to obtain a well-rounded, unbiased analysis of a company’s standings.

Our team rates pet insurance companies based on several factors, including A.M. Best ratings (an indicator of financial stability), claim processing reputations, contract coverage, customer service, pricing, plan customizations, and more.

Pros & Cons Comparison Table

No lifetime or per-incident payout limits for accident or illness plans14-day waiting period for illnesses and 180-day waiting period for intervertebral disc disease and CCL injuries
BBB rating: A+Coverage is restricted to Accident Only plans for pets over 9 years old at the time of enrollment
Wellness coverage available as an add-onBilateral conditions are excluded
30-day free look period$3/month policy administrative service fee
5% multi-pet discountNo mobile apps
Your pet is covered when they travel with you in the U.S., Canada, and other U.S. territoriesNo unlimited payout limit option
Final Respect coverage is available for pets enrolled before their fifth birthday

Calculate Your Pet Insurance Costs Before Deciding

Our experts peaked under the hood to uncover what kind of costs factor into your policy premiums with leading pet insurance companies. Get the lowdown in our pet insurance costs article.

Consider All Your Pet Insurance Options

Toto has some unique features, but the fact that it can change your pet’s coverage and plan customizations at renewal is a red flag. We’ve reviewed more than a dozen pet insurance companies and have chosen the best based on coverage, customer service and reputation, claim repayment, price, plan customizations, and more. Find out who we got the top ranks in our pet insurance reviews.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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