Sonnet Pet Insurance Review 2024

Sonnet offers affordable and basic accident and illness coverage for veterinary services, including:

• Exam fees
• Surgery
• X-rays and diagnostics.
• Dental work due to illness or trauma, including cleanings ($300 per year).
• Alternative therapy ($350 per year), including homeopathy, stem cell therapy, laser therapy, physiotherapy, hydrotherapy, massage therapy and acupuncture.
• Behavioural therapy ($350 per year).
• Prescription medication
• Coverage while travelling in the U.S. and Canada.
• Medical devices ($350 per year).
• Boarding due to the owner’s medical emergency ($25 per day).
• Lost pet advertising.
• Cremation or burial expenses due to death from covered conditions.
• Holiday trip cancellation due to a pet’s medical emergency.

Sonnet is currently available in B.C., Alberta, Ontario, Quebec, New Brunswick, Nova Scotia and PEI.

Sonnet does not offer any additional coverage as riders or add-ons.

Like all pet insurance companies, Sonnet does not cover pre-existing conditions, also called foreseeable conditions, defined as “any condition that starts or shows symptoms, with or without a confirmed diagnosis” prior to enrollment or within any applicable waiting periods.

In addition, Sonnet does not cover:

• Flea control
• Food, including prescription or therapeutic diets.
• Spay or neuter surgery.
• Expenses due to pregnancy or any associated conditions.
• Wellness care, such as vaccinations, annual check-ups and heartworm preventative medication.

Pet insurance companies have what’s called a waiting period, which is the amount of time before your policy is effective and you can be reimbursed for claims.

With a Sonnet policy, there is a 48-hour waiting period for accidents and a 14-day waiting period for illnesses. There is also a 14-day waiting period for claims for behavioural therapies, a six-month waiting period for cruciate ligament injuries or intervertebral disc disease, and a six-month waiting period for dental coverage. However, treatment for deciduous teeth (baby teeth) may be subject to a shortened 14-day waiting period with prior approval.

Maximum annual limit options
$5,000 ($2,500 per incident, $2,500 per illness)

Deductible options
$100*
$300

Reimbursement options
80%

*Applies an age-based deductible as your pet gets older.

Here’s how the age-based deductible works:

Sonnet offers a 5% discount for being an existing Sonnet home or auto insurance customer.

Launched in 2016, Sonnet Insurance is Canada’s first fully online home and auto insurance. Sonnet Pet Insurance is underwritten by Petline Insurance Company, the first and only licensed company in Canada to focus solely on pet health insurance.

Sonnet Pet Insurance does not have any external partnerships.

To find the best pet insurance we reviewed each company’s policy wording and used data provided by PetInsurer.com to score each pet insurance company based on the following:

Pet insurance rates: 40% of score. We calculated average rates for plans with $5,000 or unlimited coverage, a $100 deductible and an 80% reimbursement level, or the closest options available.

Special waiting period: 10% of score. Many pet insurance companies have a special waiting period for problems such as cruciate ligament issues and hip dysplasia. Plans that had no waiting period, a waiting period of six months or less, or the ability to have the waiting period waived scored higher.

Direct payment to vet: 10% of score. Pet insurance companies that have the ability to pay a vet directly earned points.

24/7 vet health line: 10% of score. Insurers that provide access to a 24/7 vet health line scored in this category.

Routine wellness plans: 10% of score. Insurers that offer wellness plans, either included with a plan or as a rider, earned points.

Coverage for dental illness: 10% of score. While most insurers cover dental accidents, not all insurers cover dental illnesses, such as gum disease or cleanings. Plans with more extensive dental coverage scored higher.

Pet ownership assistance: 5% of score. Insurers that include coverage for pet owner expenses, such as advertising and reward for lost pets, boarding for medical emergencies, end of life expenses and/or vacation cancellation, scored in this category.

Any discount: 5% of score. Insurers that offer any kind of discount, including a multi-pet discount, healthy pet discount, loyalty discount, etc., earned points.