Pet Insurance

Toto Pet Insurance Reviews


Last Updated: June 14, 2023 | 1 min read | Leave a Comment

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

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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 Pet Insurance Rview

Product Name: Toto Pet Insurance

Product Description: Toto offers pet insurance for dogs and cats.


Toto has more restrictions for its pet insurance policies than other competitors. However, it is one of the only companies to offer Final Respects coverage, which reimburses a portion of money for the cost of an autopsy, cremation, and urns.

Our pet insurance experts read through each pet insurance company’s 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 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.

Overall Score



  • No lifetime or per-incident payout limits for accident or illness plans
  • BBB rating: A+
  • Wellness coverage available as an add-on
  • 30-day free look period
  • 5% multi-pet discount
  • Your pet is covered when they travel with you in the U.S., Canada, and other U.S. territories
  • Final Respect coverage is available for pets enrolled before their fifth birthday


  • 14-day waiting period for illnesses and 180-day waiting period for intervertebral disc disease and CCL injuries
  • Coverage is restricted to Accident Only plans for pets over 9 years old at the time of enrollment
  • Bilateral conditions are excluded
  • $3/month policy administrative service fee
  • No mobile apps
  • No unlimited payout limit option

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 and get free quotes instantly below.

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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.

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.

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