Sonnet Pet Insurance Review 2025: Updated
Sonnet Pet Insurance offers a simple, affordable plan with $5,000 annual coverage ($2,500 per accident and $2,500 per illness condition per year). With 80% reimbursement and deductible options of $100 or $300, it provides comprehensive coverage for essential and alternative treatments. While it lacks routine wellness care, its low premiums and holistic treatment options make it a solid choice for essential pet health coverage.
Sonnet Pet Insurance: Key Takeaways
- Pets covered: Dogs, cats
- Plans: One simple plan
- Annual Coverage Options: $5,000 ($2,500 per incident, $2,500 per illness)
- Reimbursement rate: 80%
- Premium: $43 - $84/month average for dogs, $27 - $50/month for cats
- Annual deductible: $100, $300 (age-based)
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Our Sonnet Pet Insurance Review 2025
Sonnet Pet Insurance provides a straightforward insurance plan offering a maximum annual coverage of $5,000, which includes $2,500 per accident and $2,500 per condition. The plan covers essential veterinary services such as diagnostics, surgery, hospitalization, and treatment for dental injuries due to illness or trauma, as well as alternative and behavioural therapies with a limit of $350 each per year.
Sonnet’s deductible options are either $100 or $300, which increase with the pet’s age. The monthly premiums are relatively lower than several other competitors we reviewed.
One of Sonnet's standout features is its inclusion of alternative therapies such as acupuncture and behavioural therapy, as well as travel coverage in the U.S. and Canada. These additions provide a well-rounded approach to pet health that includes holistic treatments alongside conventional veterinary care.
However, Sonnet does have some limitations. The annual coverage limit is much lower than providers like Trupanion Pet Insurance and Furkin Pet Insurance which offer unlimited coverage, and limits of $20,000 annually, respectively.
The $5,000 annual coverage cap might not be sufficient for pets requiring extensive or ongoing medical treatment, and it does not cover routine wellness care or preventive services such as vaccinations and spaying/neutering. Additionally, the six-month waiting period for dental and cruciate ligament injuries may be a drawback for pet owners seeking immediate comprehensive coverage.
Sonnet Pet Insurance enjoys customer satisfaction, primarily thanks to its simplicity and affordability. Despite its limitations in annual coverage limit and wellness care, Sonnet remains a solid option for pet owners who value simple, clear, cost-effective insurance for their pets' essential and emergency health needs.
What are the pros and cons of Sonnet Pet Insurance?
Pros of Sonnet Pet Insurance
- Straightforward Coverage: $5,000 annual limit with $2,500 per accident/condition.
- Alternative and Behavioral Therapies: Covers acupuncture and behavioural therapy ($350 per year each).
- Low Deductibles: $100 or $300*.
- Travel Benefits: Includes travel coverage in the U.S. and Canada, and boarding fees.
- Lower Premiums: Generally more affordable than many competitors.
- Dental coverage: Dental care and injuries due to trauma included
Cons of Sonnet Pet Insurance
- Limited Annual Coverage: $5,000 cap, no unlimited options.
- No Routine Wellness Coverage: Excludes preventive care like vaccinations and spaying/neutering.
- Waiting Periods: Six months for dental and cruciate ligament injuries.
- Age-Based Deductibles: Deductibles increase with pet age.
- No Vet Direct Pay: Requires paying upfront and seeking reimbursement.
Compare quotes and options before choosing pet insurance with Sonnet. A little shopping around can help you to save money and find the coverage that fits your needs:
Compare the best pet insurance plans on the market!
What does Sonnet Pet Insurance cover?
Check out our table to see what Sonnet offers:
| Cover | Accident & Illness |
|---|---|
| Reimbursement | 80% |
| Maximum coverage | $5,000 |
| Accident | $2,500 ($2500 per accident) |
| Illness | $2,500 (per condition, per year) |
| Dental Care | $300 (per year) |
| Alternative Therapy | $350 (per year) |
| Surgeries | |
| X-rays and diagnostics | |
| Behavioural Therapy | $350 (per year) |
| Medication | |
| Medical Devices | $350 (per year) |
Sonnet Pet Insurance also provides coverage for:
- Emergency Care and Hospitalization
- Kennel and Boarding Fees
- Lost Pet Advertising
- Cremation or Burial Costs
- Holiday Cancellations
What is the waiting period for Sonnet Pet Insurance coverage?
Sonnet Pet Insurance has the following waiting periods for different types of coverage.
- Accidents: 48 hours.
- Illnesses and Behavioral Therapies: 14-day waiting period.
- Cruciate Ligament Injuries and Intervertebral Disc Disease: 6-month waiting period.
- Dental Coverage: 6-month waiting period.
- Treatment of Deciduous (Baby) Teeth: 14-day waiting period with prior approval.
Good to know
If you're looking for unlimited coverage options, you can also explore other companies like Desjardins Pet Insurance, Petsecure Pet Insurance, and Trupanion among others. Simply use our free tool below and compare coverage instantly.
Compare the best pet insurance plans on the market!
What does Sonnet Pet Insurance not cover?
- Pre-existing conditions
- Flea control
- Food, including prescription or therapeutic diets
- Spaying or neutering
- Pregnancy-related expenses
- Wellness care: Vaccinations, annual check-ups, heartworm prevention
What does Sonnet Pet Insurance cost?
Here is a sample quote we received from Sonnet Pet Insurance. It took us less than a minute to get the quote.
| Coverage | Details |
|---|---|
| Reimbursement Rate | 80% |
| Accident Coverage | $2,500 per accident |
| Illness Coverage | $2,500 per illness condition, per year |
| Dental Coverage | $300 per year |
| Annual Deductible | $100 |
| Monthly Premium | $66.32 |
| Annual Deductible (Alternative) | $300 |
| Monthly Premium (Alternative) | $53.52 |
Pet insurance costs depend on factors like the breed, age, and health condition of your pet, and the coverage you choose. You must get a personalized pet insurance quote and compare options before you decide upon a policy. You can use our free tool below to compare pet insurance quotes from Canada's best companies and get instant results online.
Compare the best pet insurance plans on the market!
How do I buy a pet insurance plan from Sonnet?
You can buy a Sonnet Pet insurance plan online. All you need to do is fill up the "get a quote" form on the website, choose your deductible, and then make the payment.
How do I contact Sonnet Pet Insurance?
You can reach a Sonnet customer service representative by phone or email during their business hours. They are available Monday to Thursday from 7:00 am to 9:00 pm CST, Friday from 7:00 am to 8:00 pm CST, and Saturday from 8:00 am to 7:00 pm CST. They are closed on Sundays.
How do I file a claim with Sonnet pet insurance?
First, get a Claim Form. You can get the claim forms through your Sonnet Pet Insurance login on the website. Forms are also available at your vet. Or you can simply download them here for free based on the type of claim.
Then, visit the Veterinarian. Pay your bill in full after your pet's treatment. Have your vet fill out section 2 of the claim form. Then follow the next steps:
- Submit the Claim:
- Complete sections 1 and 3 of the form.
- Submit the form and receipts via:
- Online Account: Upload photos through your Sonnet account.
- Email: Send to [email protected] (PDF or JPG).
- Mail: Petline Insurance Company, 301-600 Empress Street, Winnipeg, MB R3G 0R5.
- Fax: 1-866-501-5580.
For assistance or more information, you can call 1-888-920-7180 or email [email protected].
Watch out!
You must submit your claim within 6 months from the date of your pet’s treatment. Even if no payout is made, failing to submit the claim could affect your deductible and impact future claims within the year. Ensure you submit every claim to benefit from your deductible and streamline future claims.
How to cancel Sonnet Pet Insurance?
To cancel your policy, you must send a written request via email, fax, or regular mail. Include your name, pet’s name, and policy number. If you've prepaid your premiums, you will receive a refund. Your coverage will end on the last day of the current monthly billing period.
- Email: [email protected]
- Fax: 1-866-501-5580
- Regular mail: Petline Insurance Company, 301-600 Empress Street, Winnipeg, MB R3G 0R5.
