Sonnet Pet Insurance Canada: 2025 Review
Our expert's opinion on Sonnet
Sonnet Pet Insurance provides a single comprehensive pet health plan underwritten by Petline Insurance Company, covering veterinary care for accidents and illnesses, dental treatment, alternative and behavioural therapies, and several customer benefits such as boarding reimbursement and holiday cancellation.
The plan features a standard 80% reimbursement (20% co-insurance, adjustable up to 30–50% based on claims history), an annual age-based deductible with two selectable options, illness coverage limits of $2,500 per condition (annual), accident limits of $2,500 per incident, dental coverage of $300/year, and modest annual budgets ($350) for therapies, behavioural care, and medical devices; waiting periods and explicit exclusions for pre-existing and elective treatments apply. Compared with larger competitors, Sonnet offers a straightforward single-plan approach with clear per-condition caps, competitive average premiums for dogs ($43–$84) and cats ($27–$50), and emphasis on digital claims management rather than a wide menu of tiered plans and add-ons.
Best suited for owners of young to middle-aged pets seeking affordable, mid-range coverage with simple digital administration.
Administered by Sonnet in Canada and underwritten by Petline Insurance Company, the product lists contact and claims channels and a 24/7 online portal; Sonnet’s Trustpilot rating is 4.1 out of 5 from about 6,000 reviews, and the insurer recommends pre-authorization for planned treatments though average reimbursement times are not specified in the provided materials.
- ✅Single, comprehensive plan
- ✅Standard 80% reimbursement
- ✅Clear per-condition illness limits
- ✅Age-based deductible options
- ✅Covers dental and alternative therapies
- ✅Multiple customer benefits (boarding, lost pet, cremation)
- ✅Online portal and pre-authorization available
- ❌Per-condition limits ($2,500) may be low for major illnesses
- ❌Accident limit per incident, not annual renewal
- ❌Dental annual maximum only $300
- ❌Pre-existing and bilateral condition exclusions strict
- ❌Deductible increases with pet age
Our expert's opinion on Sonnet
- ✅Single, comprehensive plan
- ✅Standard 80% reimbursement
- ✅Clear per-condition illness limits
- ✅Age-based deductible options
- ✅Covers dental and alternative therapies
- ✅Multiple customer benefits (boarding, lost pet, cremation)
- ✅Online portal and pre-authorization available
- ❌Per-condition limits ($2,500) may be low for major illnesses
- ❌Accident limit per incident, not annual renewal
- ❌Dental annual maximum only $300
- ❌Pre-existing and bilateral condition exclusions strict
- ❌Deductible increases with pet age
Score- ✅Single, comprehensive plan
- ✅Standard 80% reimbursement
- ✅Clear per-condition illness limits
- ✅Age-based deductible options
- ✅Covers dental and alternative therapies
- ✅Multiple customer benefits (boarding, lost pet, cremation)
- ✅Online portal and pre-authorization available
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At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
Sonnet Guarantees
Sonnet offers a single comprehensive pet insurance plan underwritten by Petline Insurance Company; with one plan only, its market positioning is best described as balanced or mid‑market — it combines broadly framed accident and illness cover with a defined set of ancillary benefits and modest per‑benefit limits.
Core features include veterinary fees for accidents and illnesses, prescription medications, hospitalization, surgery and diagnostics, plus defined sub‑limits for dental care ($300/yr), alternative/behavioural therapies and medical devices ($350/yr each). Reimbursement logic uses an annual deductible (age‑based, two deductible options) and a standard co‑insurance of 80% (you pay 20%), noting that the co‑insurance may be increased based on claims history (your share can be adjusted up to higher levels).
Annual and per‑incident limits are explicit for key items: illness coverage is stated as $2,500 per condition (renewing annually) while accident coverage is $2,500 per incident (non‑renewing); several customer benefits (boarding, lost pet advertising, holiday cancellation, cremation/burial) are provided subject to maximums defined in a Schedule of Maximum Amounts (not included in the materials). Waiting periods apply (48 hours for accidents; 14 days for illnesses and behavioural therapies; 6 months for dental/cruciate/IVDD), and the policy applies standard industry exclusions and underwriting controls for pre‑existing and bilateral conditions.
| Feature | Sonnet plan |
|---|---|
| Plan positioning | Balanced / mid‑market |
| Type of coverage (accident/illness) | Accident & illness |
| Animals covered (dogs, cats, other) | Dogs and cats |
| Reimbursement rate | 80% standard (20% co‑insurance); co‑insurance may be increased based on claims history (adjustable) |
| Annual reimbursement limit | Illness: $2,500 per condition (renews annually); Accident: $2,500 per incident (per incident, non‑renewing) |
| Deductible (annual or per claim) | Annual, age‑based deductible; two options (Option A / Option B) with amounts increasing by age |
| Age limits for enrollment | N.C. |
| Pre‑enrollment health questionnaire | N.C. |
| Waiting periods (accident and illness) | Accident: 48 hours; Illness & behavioural: 14 days; Dental/cruciate/IVDD: 6 months |
| Lifetime coverage | N.C. |
| Consultations (vet visits) | Covered (included in veterinary fees for eligible accident/illness) |
| Medications | Covered (prescription medications covered as part of veterinary fees) |
| Hospitalization | Covered (eligible hospital stays covered subject to deductible/co‑insurance) |
| Surgery | Covered (eligible surgical procedures covered) |
| Diagnostic tests | Covered (X‑rays, ultrasound, lab tests where eligible) |
| Dental care | Covered up to $300 per year (illness or trauma; includes certain cleanings/gum issues) |
| Preventive care | N.C. (preventive services not detailed; Schedule N.C.) |
| Alternative medicine | Covered up to $350 per year (physiotherapy, acupuncture, massage when prescribed) |
| Travel coverage | Valid in Canada and while travelling in the United States (claims in USD adjusted 1:1) (policy documents) |
| Civil liability (third‑party liability) | N.C. |
| Euthanasia | Covered when associated with an insured accident or illness; costs processed under veterinary services |
| Death & cremation coverage | Reimburses actual cost of cremation or burial (including one keepsake urn) for death from insured accident/illness; maximum payable in Schedule of Maximum Amounts (N.C.) |
| Theft or loss + search expenses | Lost pet advertising and reward reimbursed subject to prior approval; maximum payable in Schedule (N.C.) |
| Boarding fees | Reimburses up to $25 per day when owner hospitalised for at least two days (limits defined in Schedule) |
Sonnet Exclusions
Sonnet’s exclusions follow typical industry practice: pre‑existing and foreseeable conditions, illnesses or signs arising during waiting periods, and any treatment not directly related to a covered accident or illness are excluded.
Notable specifics include explicit exclusions for spay/neuter procedures and their complications, all food (including prescription or therapeutic diets), and medications that lack a valid Drug Identification Number (D.I.N.) or Natural Health Product (N.H.P.) number.
The policy applies a bilateral‑condition rule (if one side pre‑existing, the opposite side is excluded), and it excludes intentional harm, pregnancy‑related conditions, and certain transportation/house‑call fees beyond a routine exam.
A key differentiator versus some competitors is that Sonnet still provides limited dental, behavioural and alternative‑therapy benefits with annual caps, so several exclusions are moderated by defined sub‑limits rather than blanket bans.
| Exclusions | Details |
|---|---|
| Medical exclusions | Treatments not directly related to a covered accident or illness (elective procedures, nail trims, non‑anesthetic dental cleanings); congenital conditions evident before policy start; umbilical hernia; routine dental disease unrelated to a covered condition; illnesses arising during waiting periods. |
| Pre-existing & bilateral conditions | Pre‑existing or foreseeable conditions; bilateral condition rule (if one side pre‑existing, the other side excluded); conditions noted on first exam where no comprehensive prior history exists (see policy). |
| Medication & food | Any food including prescription or therapeutic diets; medications without a valid Drug Identification Number (D.I.N.) or Natural Health Product Number (N.H.P.). |
| Reproductive & congenital | Spay/neuter procedures and any complications from them; pregnancy and associated conditions; congenital conditions evident before coverage or during waiting periods. |
| Behavioural & training exclusions | Obedience/training classes, correctional devices, and treatment for coprophagia or other eating disorders are excluded under behavioural therapy provisions. |
| Owner conduct & use exclusions | Expenses resulting from accidents or illnesses intentionally caused by the owner; use of the pet for competitive, professional or business activities without prior approval; neglect or failure to follow veterinary advice. |
| Service & fee exclusions | Transportation or house‑call fees that exceed the cost of a regular exam fee; euthanasia not covered unless medically recommended for an insured condition. |
| External events | Conditions caused by war, nuclear incidents, or natural disasters. |
Sonnet Prices
Sonnet’s pricing in 2025 sits squarely in the mid‑range segment: its standard 80% reimbursement rate, age‑based annual deductibles and modest per‑condition/ per‑accident caps (e.g., $2,500) position the product as a balanced option between low‑cost entry plans and higher‑limit premium policies. These design choices—reasonable co‑insurance, clear sublimits for dental and therapies, and deductible options—help control premiums while offering meaningful cover; however, the ability to raise co‑insurance to 30–50% based on claims history is a competitive lever that can materially alter net cost for frequent claimants.
Sonnet’s digital cost structure (24/7 online portal, electronic claims, and a 5% bundling discount for existing customers) and US travel reciprocity are added‑value features that justify mid‑market pricing versus legacy carriers that rely more on broker networks and paper processes. Compared with traditional players, Sonnet trades the very highest annual limits for lower friction and transparent per‑condition caps; this makes it competitively priced for owners seeking good everyday cover with strong digital servicing but less suited for those who prefer unlimited or very high annual benefit ceilings.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile | $100 deductible | $300 deductible |
|---|---|---|
| Labrador Dog 1 year | $96.25 | $77.66 |
| Labrador Dog 3 years | $96.25 | $77.66 |
| Labrador Dog 7 years | $96.25 | $77.66 |
| Australian Shepherd Dog 1 year | $73.40 | $59.25 |
| Australian Shepherd Dog 3 years | $73.40 | $59.25 |
| Australian Shepherd Dog 7 years | $73.40 | $59.25 |
| French Bulldog Dog 1 year | $105.87 | $85.43 |
| French Bulldog Dog 3 years | $105.87 | $85.43 |
| French Bulldog Dog 7 years | $105.87 | $85.43 |
| European Cat 1 year | $61.42 | $49.01 |
| European Cat 3 years | $61.42 | $49.01 |
| European Cat 7 years | $61.42 | $49.01 |
| Maine Coon Cat 1 year | $61.42 | $49.01 |
| Maine Coon Cat 3 years | $61.42 | $49.01 |
| Maine Coon Cat 7 years | $61.42 | $49.01 |
| British Shorthair Cat 1 year | $61.42 | $49.01 |
| British Shorthair Cat 3 years | $61.42 | $49.01 |
| British Shorthair Cat 7 years | $61.42 | $49.01 |
Sonnet Promo Codes
| Sonnet Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
What is the reimbursement amount with Sonnet?
✅ Example 1: Consultation for allergic dermatitis
- Total vet costs: $150 (consultation + medication)
- Deductible amount to subtract: $100 (this is the first expense of the year)
- Amount reimbursable after co‑insurance: $150 × 80% = $120
- $120 – $100 = $20
- Amount reimbursed: $20
- Remaining out‑of‑pocket cost: $150 – $20 = $130
👉 You receive a reimbursement of $20.
ℹ️ The annual deductible applies once per policy year; once it’s met, future claims that year are not reduced by that deductible.
✅ Example 2: Cruciate ligament surgery (classified as an illness)
- Total vet costs: $6,500 (surgery, imaging, hospitalization, medication)
- Deductible amount to subtract: Deductible already used earlier in the policy year
- Amount reimbursable after co‑insurance: $6,500 × 80% = $5,200
- Policy per‑condition cap for illnesses: $2,500
- Amount reimbursed: $2,500
- Remaining out‑of‑pocket cost: $6,500 – $2,500 = $4,000
👉 You receive a reimbursement of $2,500.
ℹ️ Sonnet applies an illness per‑condition limit (here $2,500), so high‑cost surgeries may be only partially covered up to that cap.
✅ Example 3: Dental extraction and treatment after trauma
- Total vet costs: $800 (exam, extraction, anesthesia, medications)
- Deductible amount to subtract: $100 (this is the first expense of the year)
- Amount reimbursable after co‑insurance: $800 × 80% = $640
- $640 – $100 = $540
- Dental annual maximum payable: $300 per year
- Amount reimbursed: $300
- Remaining out‑of‑pocket cost: $800 – $300 = $500
👉 You receive a reimbursement of $300.
ℹ️ Dental coverage is limited to $300 per year under this plan; check which dental procedures qualify and whether routine cleanings are included.
Sonnet Assistance
Sonnet offers a 24/7 online customer portal and pre‑authorization for treatments, which helps policyholders confirm coverage before incurring major costs.
The absence of any documented direct‑to‑vet advance payment option or a 24/7 veterinary teleconsultation line is a meaningful gap for owners facing emergency bills.
Travel coverage includes Canada and vacation use in the United States with a straightforward 1:1 USD→CAD claim approach, but duration limits and specific conditions are N.C.
Claims can be submitted paperless via the portal, email or fax and Sonnet lists clear contact channels, though payment methods and reimbursement timing are N.C.
| Assistance Sonnet | Available? | Details |
|---|---|---|
| Advance payment | ❌ | N.C. on any Payvet/Petcard or direct‑to‑vet advance payment service in the provided documents. |
| Payment facilities | ❌ | N.C. No information on installment plans or interest‑free payment options for premiums or bills. |
| Mobile app | ❌ | N.C. A 24/7 online customer portal is documented, but no dedicated mobile app or app store ratings were provided. |
| Paperless claims process | ✅ | 24/7 online member portal for submitting and tracking claims. Claims also accepted by email (info@pets.sonnet.ca) and fax (1‑866‑501‑5580). |
| Emergency vet service | ❌ | No 24/7 emergency veterinary hotline or teleconsultation service was found in the documents. |
| Vet/clinic partner network | ❌ | N.C. The materials do not describe a preferred clinic or direct‑billing network. |
| Coverage abroad | ✅ | Policy valid in Canada and while travelling in the United States (vacation). Claims in USD are processed 1:1 to CAD; duration and full conditions are N.C. |
Claims also accepted by email (info@pets.sonnet.ca) and fax (1‑866‑501‑5580).
Claims in USD are processed 1:1 to CAD; duration and full conditions are N.C.
Customer Reviews on Sonnet
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.1/5 — 6,000 reviews |
Customers most often praise Sonnet for its straightforward online portal, clear policy layout and relatively fast claims handling, and many reviewers appreciate the inclusions like dental coverage and travel protection to the United States. Several comments highlight value for money, especially when taking advantage of the 5% multi-product discount, and policyholders frequently mention that the age‑based deductible structure and defined sub‑limits make it easier to understand expected out‑of‑pocket costs.
On the other hand, recurring concerns focus on exclusions for pre‑existing and bilateral conditions, which users say can be strictly applied at renewal or after an initial claim, and some customers report disappointment when routine care or certain treatments fall outside the offered plans. Others note that co‑insurance adjustments tied to claims history and rising deductibles as pets age can materially increase long‑term costs, prompting a number of reviewers to recommend careful comparison at renewal.
Here are some examples of customer reviews:
- _J.D., 15/06/2024: Quick online claims process and clear communication from Sonnet; reimbursement arrived promptly and the portal made tracking easy._
- _M.S., 02/03/2025: Helpful customer service but upset about a denial for what they called a pre‑existing issue—wish exclusions were explained more clearly at sign‑up._
- _A.User, 20/11/2023: Competitive monthly price and useful travel coverage to the US, though the deductible increased noticeably as my dog got older._
Contact Sonnet
| Sonnet Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Sonnet website: www.sonnet.ca. Online subscription via Sonnet website or the comparison/quote flow. Other subscription steps or online account creation requirements: N.C. |
| To request and track a reimbursement | Process: Submit a claim through the Sonnet online customer portal (24/7) or send claim documents to Sonnet’s claims channels (claims email: info@pets.sonnet.ca; claims fax: 1‑866‑501‑5580; mail: Sonnet Pet Insurance, 301‑600 Empress Street, Winnipeg, MB R3G 0R5). Pre‑authorization is recommended for planned high‑cost treatments. Required documents: N.C. (not communicated). Deadlines for submission of claims: N.C. (not communicated). Reimbursement rate: standard 80% co‑insurance (you pay 20%) applied before the annual deductible (subject to change based on claims history). Reimbursement method (payment type / timing / direct‑to‑clinic availability): N.C. Note: U.S. dollar claims are adjusted 1:1 to CAD per policy wording. |
| To obtain a certificate of insurance | How to request: Use the online customer portal (downloadable documents) or contact Sonnet customer service. Channels: toll‑free phone 1‑888‑920‑7180, website www.sonnet.ca, or email info@pets.sonnet.ca. Information required to process the request (policy number, policyholder details, pet details): N.C. Turnaround time for issuance: N.C. |
| To contact assistance | Available channels: Toll‑free phone 1‑888‑920‑7180; online customer portal (manage policy, submit claims, download documents); email (info@pets.sonnet.ca for general inquiries; claims: info@pets.sonnet.ca); claims fax 1‑866‑501‑5580; mailing address: 301‑600 Empress Street, Winnipeg, MB R3G 0R5. Business hours for phone or live support: N.C. (not communicated). |
| To cancel my policy | How to cancel: Contact Sonnet via the online customer portal, toll‑free phone 1‑888‑920‑7180, or email info@pets.sonnet.ca to request cancellation. Exact cancellation steps (online form, signed notice) and required information to process the cancellation: N.C. Deadlines/notice periods and refund/proration conditions on cancellation: N.C. (not communicated). Confirm cancellation in writing and retain any confirmation reference provided by Sonnet. |
FAQ
Do I have to pay upfront for veterinary fees with Sonnet?
Sonnet is primarily a reimbursement-based insurer: you normally pay the veterinarian at point of service and then submit a claim for reimbursement. The policy materials do not show a permanent third-party direct-billing service; special payment arrangements are N.C. Pre-authorization is recommended for high-cost treatments to confirm coverage in advance. For claims in USD, Sonnet’s materials state they adjust at a 1:1 rate to CAD. Always confirm direct-to-clinic options with Sonnet before treatment. The standard co‑insurance shown in the policy is 80% (you pay 20%); policy wording indicates this co‑insurance is applied to the claim before the annual deductible, but you should verify the calculation on your Summary of Coverage.
How do I cancel my pet insurance policy with Sonnet?
To cancel, contact Sonnet via the online customer portal, toll-free phone 1-888-920-7180, or email info@pets.sonnet.ca and request policy termination. Provide your policy number, policyholder name, and the effective date for cancellation; Sonnet may require written confirmation—if so, send it to their mailing address. The policy documents do not communicate specific notice periods, proration rules, or refund conditions (N.C.), so request written confirmation of any refund or final premium adjustment.
What are Sonnet’s waiting periods for accident and illness coverage?
Sonnet’s policy lists short waiting periods: accidents have a 48-hour wait and most illnesses and behavioural therapies have a 14-day wait. Certain conditions (dental issues, cruciate ligament injuries, intervertebral disc disease) have a six‑month waiting period. Some conditions are always classified as illnesses (e.g., cruciate injuries, bloat) and therefore follow the illness waiting period. Always check your policy’s Schedule of Benefits for any variation.
How do reimbursements, deductibles and co‑insurance work with Sonnet?
Sonnet shows an annual, age‑based deductible with two deductible options (A or B) that change as your pet ages; choose the option when you enroll. The published standard co‑insurance is 80% reimbursement (20% you pay), and co‑insurance can be adjusted based on claims history. Policy wording indicates co‑insurance is applied to the claim before the annual deductible—confirm this order on your Summary of Coverage. Reimbursement timing and payment method are not fully detailed in the provided materials (N.C.); use the portal or claims contact to confirm timelines.
What is covered vs excluded — any common gotchas I should know?
Sonnet covers accidents and illnesses, dental treatment up to limits, alternative and behavioural therapies within specified annual caps, and some customer benefits with no deductible. The policy excludes preventive care, prescription food, spay/neuter, congenital conditions evident before the policy or during waiting periods, and medications without a D.I.N. or N.H.P. Pre‑existing or foreseeable conditions are excluded but may be reviewed after a symptom‑free period; bilateral conditions are treated strictly.
How do I submit a claim and what documents are required?
Submit claims through Sonnet’s online portal (available 24/7) or by emailing claims to info@pets.sonnet.ca, faxing to 1‑866‑501‑5580, or mailing paperwork to their Winnipeg office. Include a completed claim form, itemized veterinary invoice(s), medical records, and any pre-authorization paperwork if applicable. Exact document lists, electronic upload limits, and claim submission deadlines are not fully specified in the policy materials (N.C.), so check the portal or contact Sonnet for the current claim checklist and timelines.
Do I have to pay upfront for veterinary fees with Sonnet?
Sonnet is primarily a reimbursement-based insurer: you normally pay the veterinarian at point of service and then submit a claim for reimbursement. The policy materials do not show a permanent third-party direct-billing service; special payment arrangements are N.C. Pre-authorization is recommended for high-cost treatments to confirm coverage in advance. For claims in USD, Sonnet’s materials state they adjust at a 1:1 rate to CAD. Always confirm direct-to-clinic options with Sonnet before treatment. The standard co‑insurance shown in the policy is 80% (you pay 20%); policy wording indicates this co‑insurance is applied to the claim before the annual deductible, but you should verify the calculation on your Summary of Coverage.
How do I cancel my pet insurance policy with Sonnet?
To cancel, contact Sonnet via the online customer portal, toll-free phone 1-888-920-7180, or email info@pets.sonnet.ca and request policy termination. Provide your policy number, policyholder name, and the effective date for cancellation; Sonnet may require written confirmation—if so, send it to their mailing address. The policy documents do not communicate specific notice periods, proration rules, or refund conditions (N.C.), so request written confirmation of any refund or final premium adjustment.
What are Sonnet’s waiting periods for accident and illness coverage?
Sonnet’s policy lists short waiting periods: accidents have a 48-hour wait and most illnesses and behavioural therapies have a 14-day wait. Certain conditions (dental issues, cruciate ligament injuries, intervertebral disc disease) have a six‑month waiting period. Some conditions are always classified as illnesses (e.g., cruciate injuries, bloat) and therefore follow the illness waiting period. Always check your policy’s Schedule of Benefits for any variation.
How do reimbursements, deductibles and co‑insurance work with Sonnet?
Sonnet shows an annual, age‑based deductible with two deductible options (A or B) that change as your pet ages; choose the option when you enroll. The published standard co‑insurance is 80% reimbursement (20% you pay), and co‑insurance can be adjusted based on claims history. Policy wording indicates co‑insurance is applied to the claim before the annual deductible—confirm this order on your Summary of Coverage. Reimbursement timing and payment method are not fully detailed in the provided materials (N.C.); use the portal or claims contact to confirm timelines.
What is covered vs excluded — any common gotchas I should know?
Sonnet covers accidents and illnesses, dental treatment up to limits, alternative and behavioural therapies within specified annual caps, and some customer benefits with no deductible. The policy excludes preventive care, prescription food, spay/neuter, congenital conditions evident before the policy or during waiting periods, and medications without a D.I.N. or N.H.P. Pre‑existing or foreseeable conditions are excluded but may be reviewed after a symptom‑free period; bilateral conditions are treated strictly.
How do I submit a claim and what documents are required?
Submit claims through Sonnet’s online portal (available 24/7) or by emailing claims to info@pets.sonnet.ca, faxing to 1‑866‑501‑5580, or mailing paperwork to their Winnipeg office. Include a completed claim form, itemized veterinary invoice(s), medical records, and any pre-authorization paperwork if applicable. Exact document lists, electronic upload limits, and claim submission deadlines are not fully specified in the policy materials (N.C.), so check the portal or contact Sonnet for the current claim checklist and timelines.
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