Policy Term |
12 months |
Effective Date |
The Effective Date will be listed on the Declarations
Page of your policy after you apply and are accepted. |
Enrollment Age |
Dogs: At least 8 weeks
Cats: At least 10 weeks
Pets 9 years of age and older at time of enrollment are only eligible for their accident-only coverage.
|
Cancellation Policy |
Ask for a current copy of their insurance policy
so that you may review their cancellation policy |
Waiting Period |
14 days for illnesses.
2 days for injuries.
180 days for Intervertebral Disc Disease and Cruciate Ligament related conditions.
30 days for Alternative Therapy and Behavioral Conditions
30 days for Hereditary and Congenital Conditions
**Waiting Periods can vary by state. See actual policy or contact Toto to confirm the waiting periods for your state.
|
Waiting Period for Cruciate Injury |
Cruciate Ligament related conditions have a 180 day waiting period.
**Waiting Periods can vary by state. See actual policy or contact Toto to confirm the waiting periods for your state.
|
Coverage When Travel Out of State or
Country? |
You may visit any licensed veterinarian in the US, its territories and possessions, and Canada. |
Can the Price of the Policy Increase as my Pet Ages? |
Yes, the policy premium can increase as your
pet ages. The premium may also increase due to inflation or other reasons.
Contact Toto Pet Insurance for more information on when and by how much your premium may increase. |
Does Coverage Stop Due to Age? |
No |
What Happens when the Policy Renews? |
Chronic conditions will continue to be covered each year as long as you do not go over your Maximum Payout.
(See 'Max Payout' section below)
|
Can the Price of the Policy Increase
if a Claim is Filed? |
No |
Choice of Vet? |
You may visit any licensed veterinarian in the US, its territories and possessions, and Canada. |
Money Back Guarantee? |
There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.
**May vary by state |
Surcharge for Visiting a Specialist or Emergency
Clinic? |
No |
Referral needed to Visit a Specialist? |
No |
Pre-certification Required? |
No |
Additional Requirements |
**See actual policy or contact Toto for a complete list of the requirements
you are expected to adhere to in order to maintain coverage.
|
Policy Available for Pre-Purchase Review? |
Sample
policy available online |
Species Covered |
Dogs and Cats |
Accident/Injury - Baseline Coverage |
Covers exams, diagnostics and lab tests, surgery,
treatments, hospitalization, prescription medications. |
Illness - Baseline Coverage |
Covers exams, diagnostics and lab tests, surgery,
treatments, hospitalization, prescription medications.
|
Behavioral Therapy Coverage |
[INCLUDED] Behavioral Therapy is covered in the base policy.
There is a 30 waiting period before coverage can begin.
**See actual policy or contact Toto for a complete description of what types of Behavioral Therapy are covered.
|
Alternative Therapy Coverage |
[INCLUDED] Alternative Therapy is covered when performed by a veterinarian or by veterinary staff under direct supervision by a veterinarian.
There is a 30 waiting period before coverage can begin.
**See actual policy or contact Toto for a complete description of what types of Alternative Therapy are covered.
|
Pre-existing Conditions Policy |
Pre-existing conditions are not covered.
However in some states, some conditions may be considered curable. If your pet doesn't show signs for these conditions for at least 365 days, they may cover it.
According to their sample policy on their website, pre-existing conditions are "...any Illness or Injury which occurred, reoccurred, existed or showed Symptoms, whether or not diagnosed by a Veterinarian, prior to the Pet Original Start Date, Coverage Period or during the Waiting Period."
**See actual policy or contact the company for a complete description
of pre-existing conditions. |
Hereditary & Congenital Conditions Coverage |
Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period. (Only available for pets that are under 9 years of age at time of enrollment)
There is a 30 day waiting period before these conditions are covered.
These conditions are covered up to the Maximum Payout.
(See 'Max Payout' section below)
|
Continual Coverage for Chronic Conditions
|
[INCLUDED] Continual coverage for chronic conditions is included with the policy.
Chronic conditions are covered up to the Maximum Payout.
(See 'Max Payout' section below) |
Chronic Conditions Policy |
Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
There is a 30 day waiting period for chronic conditions that they deem are hereditary/congenital. Based on information on their website, this includes but is not limited to: heart disease, diabetes and arthritis. These diseases can be hereditary/congenital in origin but there can be other causes of origin as well.
For example: arthritis can also be caused by infection of the joint or trauma to the joint.
Chronic conditions are covered up to the Maximum Payout.
(See 'Max Payout' section below) |
Cancer Coverage |
[INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period. |
Cancer Coverage Limits |
Cancer conditions are covered up to the Maximum Payout.
(See 'Max Payout' section below) |
Hip Dysplasia |
[INCLUDED]
Hip Dysplasia is covered as long as they are not pre-existing and have not occurred during the waiting period.
There is a 30 day waiting period before coverage can begin.
See 'Hereditary and Congenital Conditions Policy" above.
This condition is covered up to the Maximum Payout.
(See 'Max Payout' section below) |
Prescription Drug Coverage |
[INCLUDED]
**See actual policy or contact Toto for full list of
inclusions and exclusions |
Pregnancy Coverage |
[NO]
|
Routine/Wellness Coverage |
[OPTIONAL]
Routine/Wellness Coverage is available for an additional fee.
**See actual policy or contact the company for a complete description
of their Routine/Wellness Coverage |
Vaccinations |
[OPTIONAL] - See Routine/Wellness Coverage
above for details |
Spay/Neuter |
[OPTIONAL] - See Routine/Wellness Coverage
above for details |
Dental Care (Routine) |
[OPTIONAL] - See Routine/Wellness Coverage
above for details |
Dental Care (Illness/Accident) |
[LIMITED COVERAGE]
Only provides coverage for extractions
for broken permanent teeth due to an injury/accident.
Based on their sample policy they do not cover any other conditions related to dental illness or injury.
**See actual policy or contact the company for full list of
inclusions and exclusions. |
Bilateral Conditions Policy |
If a bilateral condition happens on one side before they policy starts or during the waiting period, that condition will not be covered if it happens on the other side. Even if it happens after the waiting period.
The way it is written in their policy it appears this applies to all bilateral conditions (e.g. eye problems, ear problems, knee problems, hip problems, etc)
**Contact the company for a list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy. |
Coverage - Overview (please
read policy for full coverage details) |
Diagnostics and treatments due to illness and accidents
[Included] Cancer, Prescription Medications, Behavioral Therapy, Hereditary/Congenital coverage, Alternative Therapy, Dental Illness/Accident (limited coverage), Continual Chronic Conditions Coverage (Refer to each category's section for limitations)
[Optional] Routine/Wellness Care, Routine Dental Care (Refer to each category's section for limitations)
**See actual policy or contact Toto for
full list of inclusions, exclusions, limitations and conditions. |
What's not Covered - Overview
(partial listing, please read policy
for full details) |
- Pre-existing conditions
- Conditions that occur during the waiting period
- Boarding, grooming and grooming supplies
- Breeding/Pregnancy
...See policy for a complete listing |
Reimbursement |
Choose from 70%, 80%, or 90% |
Deductible |
Annual Deductible
Choose from $100, $250 or $500 |
Flat Deductible vs % Deductible |
Flat |
Deductible Per Incident vs Annual Deductible |
Annual Deductible |
How is Reimbursement Determined |
In the sample policy it states that reimbursements are based on UCR (reasonable and customary).
Their definition of Reasonable and Customary charges: "Reasonable and Customary Charges means typical fees or the cost that Veterinarians charge in Your geographic area based on available veterinary fee information and proprietary data."
It is not clear whether reimbursements are calculated by taking the deductible first or the reimbursement percentage first.
|
Max Payout Annually |
Choose from $2,500, $7,500 or $15,000 |
Max Lifetime Payout |
This plan does not have a maximum lifetime payout |
Max Payout per Incident |
This plan does not have a maximum payout per incident |
Max Payout Based on Body System |
This plan does not have a maximum payout
based on body system |
Client Reimbursed or Vet Paid Directly |
You pay the veterinarian and then you are reimbursed
after you file the claim. |