Sonnet Pet Insurance 2025: Full Guide to Plans, Benefits & Real Costs
Our expert's opinion on Sonnet
Sonnet Pet Insurance, underwritten by Petline Insurance Company, offers comprehensive and transparent coverage for Canadian dogs and cats, emphasizing essential accident and illness protections alongside benefits such as dental, alternative and behavioural therapies, medical devices, and support services like emergency boarding and lost pet advertising.With just one main plan design, Sonnet covers up to 80% of eligible vet bills (post-tax) subject to moderate annual or per-condition limits ($2,500/condition/year for illness; $2,500/accident; $300/year dental; $350/year for alternative, behavioural, or device claims), annual deductibles that rise with pet age, and a standard 20% co-pay—positioning it as a mid-priced option among Canadian providers, prized for its digital-first process, clear exclusions, and wide scope of covered therapies.Sonnet’s coverage is especially suitable for mixed-breed or purebred cats and dogs from young adulthood onward, with owners seeking predictable costs and broad but not unlimited reimbursement potential, particularly those who value paperless claims and fast policy administration.Petline Insurance is Canada’s longest-standing specialist, with solid financial underpinnings (over $100M in premium volume industry-wide), a highly respected digital service model, and Sonnet currently holds a Trustpilot rating around 4.2/5 from over 5,000 reviews, with most pet claims reimbursed in 5–15 business days—placing it among the most dependable digital insurers nationally.
- ✅Fully digital application and claims process
- ✅Covers accident, illness, dental, alternative and behavioral therapies
- ✅Consistent 80% reimbursement rate
- ✅Predictable annual/per-condition limits
- ✅Fast claim turnarounds (5–15 business days typical)
- ✅Petline’s longstanding financial reliability
- ✅Accessible multi-province coverage and multi-policy discount
- ❌Annual limits relatively modest versus some competitors
- ❌Deductibles increase automatically as pets age
- ❌Strict exclusions for pre-existing and bilateral conditions
- ❌Wellness/preventive care not covered
- ❌Only two deductible choices, no full customization
- ✅Fully digital application and claims process
- ✅Covers accident, illness, dental, alternative and behavioral therapies
- ✅Consistent 80% reimbursement rate
- ✅Predictable annual/per-condition limits
- ✅Fast claim turnarounds (5–15 business days typical)
- ✅Petline’s longstanding financial reliability
- ✅Accessible multi-province coverage and multi-policy discount
Our expert's opinion on Sonnet
ScoreSonnet Pet Insurance, underwritten by Petline Insurance Company, offers comprehensive and transparent coverage for Canadian dogs and cats, emphasizing essential accident and illness protections alongside benefits such as dental, alternative and behavioural therapies, medical devices, and support services like emergency boarding and lost pet advertising.With just one main plan design, Sonnet covers up to 80% of eligible vet bills (post-tax) subject to moderate annual or per-condition limits ($2,500/condition/year for illness; $2,500/accident; $300/year dental; $350/year for alternative, behavioural, or device claims), annual deductibles that rise with pet age, and a standard 20% co-pay—positioning it as a mid-priced option among Canadian providers, prized for its digital-first process, clear exclusions, and wide scope of covered therapies.Sonnet’s coverage is especially suitable for mixed-breed or purebred cats and dogs from young adulthood onward, with owners seeking predictable costs and broad but not unlimited reimbursement potential, particularly those who value paperless claims and fast policy administration.Petline Insurance is Canada’s longest-standing specialist, with solid financial underpinnings (over $100M in premium volume industry-wide), a highly respected digital service model, and Sonnet currently holds a Trustpilot rating around 4.2/5 from over 5,000 reviews, with most pet claims reimbursed in 5–15 business days—placing it among the most dependable digital insurers nationally.
- ✅Fully digital application and claims process
- ✅Covers accident, illness, dental, alternative and behavioral therapies
- ✅Consistent 80% reimbursement rate
- ✅Predictable annual/per-condition limits
- ✅Fast claim turnarounds (5–15 business days typical)
- ✅Petline’s longstanding financial reliability
- ✅Accessible multi-province coverage and multi-policy discount
- ❌Annual limits relatively modest versus some competitors
- ❌Deductibles increase automatically as pets age
- ❌Strict exclusions for pre-existing and bilateral conditions
- ❌Wellness/preventive care not covered
- ❌Only two deductible choices, no full customization
- ✅Fully digital application and claims process
- ✅Covers accident, illness, dental, alternative and behavioral therapies
- ✅Consistent 80% reimbursement rate
- ✅Predictable annual/per-condition limits
- ✅Fast claim turnarounds (5–15 business days typical)
- ✅Petline’s longstanding financial reliability
- ✅Accessible multi-province coverage and multi-policy discount
- Sonnet Coverages
- Sonnet Exclusions
- Sonnet Prices
- Assistance Sonnet
- Customer Reviews of Sonnet
- Contact Sonnet
- FAQ
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At HelloSafe, our pet insurance expert carefully reviews the terms and pricing of insurance policies available in Canada every year, to provide you with reliable and unbiased analysis. Thanks to this thorough approach, more than one million Canadians trust us each month to help guide them through their most important financial decisions.
Sonnet Coverages
Sonnet pet insurance offers a single, highly standardized plan for dogs and cats that reimburses up to 80% of eligible accident and illness expenses, with annual and per-incident limits according to the benefit schedule and an annual deductible adjusted by pet age and option selected.
Limits are clearly stated for major care categories (accident/illness per-event, dental, alternative/behavioral therapy, and medical devices), and Sonnet covers essential items including diagnostics, surgeries, medications, hospitalization, and some preventive and behavioral therapies.
The plan includes valuable non-medical benefits, such as advertising for lost pets, boarding fees if the owner is hospitalized, and holiday cancellation, but preventive care (vaccination, spaying/neutering, routine visits) is not included.
Core strengths are the transparency of standardized limits and the absence of breed restrictions, while significant weaknesses include modest annual maximums for several categories and permanent exclusion of pre-existing or waiting period conditions.
Applicants should note the required annual deductible increase as pets age, the absence of true wellness care options, and that clients must pay upfront for care and claim reimbursement after treatment.
| Name of coverage | Sonnet Pet Insurance |
|---|---|
| Plan positioning | Online-first, single formula, no breed restrictions |
| Type of coverage | Accident and illness |
| Animals covered | Dogs, cats |
| Reimbursement rate (%) | 80% |
| Annual reimbursement limit | $2,500 per condition (illness), $2,500 per accident, $300–$350 category limits (see below) |
| Deductible (annual or per claim) | Annual; $100–$700 (age and option), increases with pet’s age |
| Age limits for enrollment (for dogs and cats) | 8 weeks minimum; for pets 8 years+ (dogs) or 10+ (cats) requires extra medical review |
| Pre-enrollment health questionnaire | Required; full medical history for older pets |
| Waiting period (illness) | 14 days |
| Waiting period (accident) | 48 hours |
| Lifetime coverage once subscribed | Yes, with continuous coverage and premium payment |
| Vet consultations (regular + emergency) | ✅ Included in accident/illness up to limits |
| Medications | ✅ Up to per-condition or annual limits |
| Hospitalization | ✅ Up to per-condition or annual limits |
| Surgery (including anesthesia) | ✅ Up to per-condition or annual limits |
| Diagnostic tests (X-ray, MRI, ultrasound, labs) | ✅ Up to per-condition or annual limits |
| Dental care (includes scaling and procedures) | ✅ $300/year |
| Preventive care package (vaccines, spay/neuter, etc.) | ❌ Not covered |
| Alternative medicine (osteopathy, acupuncture, physiotherapy) | ✅ $350/year (with vet referral) |
| Travel coverage (countries included, duration) | Canada and USA only, for temporary travel (no global coverage) |
| Civil liability | ❌ Not covered |
| Euthanasia | ✅ Only if vet-recommended for covered accident/illness |
| Death & cremation coverage | ✅ Cremation/burial up to limit, excluding euthanasia unless medically necessary |
| Theft or loss of pet + search expenses | ✅ Lost pet advertising and reward, coverage limits apply |
| Boarding fees (if owner is hospitalized) | ✅ $25/day (hospitalized ≥2 days; boarding/caregiver) |
Important Information Regarding Coverage
There is no reimbursement for regular preventive/wellness care such as vaccines, annual checkups, parasite control, or elective spay/neuter.
Co-insurance may be increased to 30–50% upon semi-annual review of claims activity.
Annual and category-specific maximums apply per pet; benefits reset each policy year.
Claims must be submitted within 6 months of treatment.
There is no direct-billing: owners pay vets and claim reimbursement after treatment.
Compare plans carefully to find the rate and reimbursement strategy that best fits your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Sonnet Exclusions
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions or symptoms prior to policy or during waiting period - Congenital/ hereditary conditions evident before start or during waiting - Bilateral conditions considered as one (e.g., cruciate ligament/ear) - Routine/preventive care (annual exams, vaccinations, flea control except for allergy cases) - Spay/neuter, umbilical hernias - Dental cleaning (non-accident/illness), nail trim, anal gland expression |
| Incident cause exclusions | - Accidents/illnesses intentionally caused by the owner - Treatment of injuries from competitive, occupational, or professional use (without prior approval) - Self-inflicted injuries |
| Documentation/administrative | - Incomplete/absent prior medical records can lead to permanent exclusions - Conditions noted upon first post-policy exam may be excluded - Owner non-cooperation (missing records, not following vet recommendations) |
| Medication and product | - Non-approved drugs/non-DIN or NHP medications - Food, supplements, prescription diet - Non-medical devices or supplies (collars, crates, harnesses, etc.) |
| Reproductive/exotic | - Pregnancy and any related conditions or complications - Assisted reproduction, whelping, nursing, and all related care |
| Geographic/jurisdictional | - Services provided outside Canada or temporary travel to the USA - War, nuclear/radioactive incidents, terrorism, natural disasters |
| Excluded diagnoses | - Pre-existing feline viruses (FIP, FIV, FeLV) - Certain dental and behavioral treatments (e.g., cleaning, non-vet prescribed, training classes) |
| Other/general | - Cosmetic and elective procedures - House calls (unless medically necessary) - Transportation fees - Euthanasia unless for an insured event |
- Congenital/ hereditary conditions evident before start or during waiting
- Bilateral conditions considered as one (e.g., cruciate ligament/ear)
- Routine/preventive care (annual exams, vaccinations, flea control except for allergy cases)
- Spay/neuter, umbilical hernias
- Dental cleaning (non-accident/illness), nail trim, anal gland expression
- Treatment of injuries from competitive, occupational, or professional use (without prior approval)
- Self-inflicted injuries
- Conditions noted upon first post-policy exam may be excluded
- Owner non-cooperation (missing records, not following vet recommendations)
- Food, supplements, prescription diet
- Non-medical devices or supplies (collars, crates, harnesses, etc.)
- Assisted reproduction, whelping, nursing, and all related care
- War, nuclear/radioactive incidents, terrorism, natural disasters
- Certain dental and behavioral treatments (e.g., cleaning, non-vet prescribed, training classes)
- House calls (unless medically necessary)
- Transportation fees
- Euthanasia unless for an insured event
Sonnet Prices
Sonnet positions itself as a competitively priced, mid-range pure digital player in the Canadian pet insurance market.
Its strength lies in offering 80% reimbursement on a broad scope of coverages—including illness, accidents, dental, behavioural, and alternative therapies—at annual or per-incident caps that meet or exceed market standards for most segments.
Lower annual deductibles for younger pets and flexible deductible options enable some cost management, but annual benefit limits remain modest for complex or recurrent conditions.
As a fully online insurer, Sonnet reduces administrative overhead, helping it offer rates often below those of traditional brokers and legacy providers, with the added convenience of digital account management.
Overall, Sonnet combines accessible pricing, solid benefits, and efficient customer service, serving as a strong value proposition for most pet owners who do not require ultra-high benefit caps.
Compare Sonnet's plans to find the best price and coverage combination for your pet.
| Sonnet Pet Insurance (estimated monthly premium) | |
|---|---|
| Young cat (2–4 years) | $28–$32/month |
| Senior cat (7–8 years) | $38–$46/month |
| Small breed dog | $41–$50/month |
| Small breed dog (2–4 years) | $43–$48/month |
| Large breed dog (2–4 years) | $59–$70/month |
| Senior dog (7–8 years) | $74–$84/month |
Sonnet Promo Codes
| Sonnet Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
| Multi-Policy Discount | 5% off when bundling with home or auto insurance |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Sonnet Reimbursement Information
With Sonnet, you pay the vet upfront and then get reimbursed for eligible expenses—typically 80% of covered costs after your annual deductible—making out-of-pocket costs simple and predictable.
✅ Example 1: Dog’s ear infection treatment
Total vet costs: $320 (consultation, cytology, medication)
Annual deductible to subtract: $100 (first claim of the year, Option A for young dog)
Amount eligible after deductible: $320 – $100 = $220
80% reimbursed: $220 × 80% = $176
👉 You get a reimbursement of $176.
ℹ️ The $100 deductible applies once per year; claims later in the year aren’t reduced by the deductible until renewal.
✅ Example 2: Cat accidental injury (fractured paw)
Total vet costs: $2,100 (consult, x-rays, anesthesia, surgery, meds)
Deductible already used on a previous claim this year
Amount reimbursed at 80%: $2,100 × 80% = $1,680
👉 You receive a reimbursement of $1,680.
ℹ️ Annual benefit per accident is capped at $2,500. After this, further costs aren’t reimbursed until next policy year.
✅ Example 3: Routine dental cleaning (preventive care, if included in your plan)
Total vet costs: $290
Deductible already paid earlier in the same policy year
Reimbursement at 80%: $290 × 80% = $232
👉 You get back $232.
ℹ️ Sonnet’s highest-tier plan covers dental cleanings up to $300 per year. You pay anything over this cap out-of-pocket.
Assistance Sonnet
| Assistance Sonnet | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service (such as Payvet, Petcard, Carecredit) for vet bills. Pet owners must prepay vets. |
| Payment facilities | ✅ | Monthly premium payments accepted by credit card or direct debit. No specific multi-month or interest-free option disclosed. |
| Mobile app | ❌ | N.C. No official Sonnet pet insurance app for claims or policy management is referenced. |
| Paperless claims process | ✅ | Claims submitted online by email, fax, or mail. No dedicated app, but a digital portal enables claim uploads and follow-up. |
| Emergency vet service | ❌ | No teleconsultation or 24/7 emergency vet support provided as part of coverage or by partner. |
| Vet/clinic partner network | ❌ | No listed network of partner clinics. Customers are free to choose any licensed vet in Canada. |
| Coverage abroad | ✅ | Coverage is available for short stays in the USA. No coverage for other countries; conditions and limits apply. |
Customer Reviews of Sonnet
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.2 / 5 (5,000+ reviews) |
We analyzed reviews from the sites listed above. On the positive side :
- An easy and quick online sign-up process that makes purchasing coverage straightforward.
- A professional and responsive customer service that effectively answers questions and resolves issues.
- A fast and transparent reimbursement process, with clear explanations on claims decisions.
- A flexible coverage selection, allowing users to adjust deductibles and co-insurance to suit their budget.
- An appreciated multi-policy discount for clients who already have home or auto insurance with Sonnet.
On the negative side :
- A coverage limit on dental and alternative/behavioral therapies that some policyholders feel is too low relative to real expenses.
- An increase in premiums upon annual renewal that may be higher than anticipated as pets age.
- A strict policy on pre-existing conditions, with claims related to these being frequently excluded.
- A lack of emergency teleconsultation or on-call veterinary assistance, which some owners expect in comprehensive modern coverage.
- A limited communication channel (no dedicated mobile app), making claims submission less convenient for some users.
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. |
| To request and track a reimbursement | Download the claim form from your Sonnet online account or Customer Care Centre. Submit completed forms, invoices, and veterinary records by email ([email protected]), fax (1-866-501-5580), or mail (301-600 Empress Street, Winnipeg, MB R3G 0R5). Claims are typically processed within 10–15 business days and paid via direct deposit or cheque. |
| To obtain a certificate of insurance | Contact Sonnet Customer Care at 1-888-920-7180 or request your certificate by email. You can also access and download policy documents directly from your Sonnet online account 24/7. |
| To contact assistance | For all policy or claim questions, contact Sonnet Customer Care at 1-888-920-7180 or by email. Support is available Monday to Friday during regular business hours. |
| To cancel my policy | Send a written cancellation request by email or mail, indicating your policy number and preferred cancellation date. Written notice is required; policy ends on the last day of the current invoiced month. Refunds for unused premiums beyond the current month will be issued. Direct all correspondence to [email protected] or 301-600 Empress Street, Winnipeg, MB R3G 0R5. |
FAQ
Do I have to pay upfront for veterinary fees with Sonnet?
Yes, you need to pay your veterinarian directly at the time of treatment. Sonnet does not offer an advance payment or third-party direct payment system. After payment, you submit your claim and supporting documents to Sonnet for reimbursement according to your policy terms.
Do I have to pay upfront for veterinary fees with Sonnet?
Yes, you need to pay your veterinarian directly at the time of treatment. Sonnet does not offer an advance payment or third-party direct payment system. After payment, you submit your claim and supporting documents to Sonnet for reimbursement according to your policy terms.
How do I cancel my pet insurance policy with Sonnet?
To cancel your Sonnet pet insurance policy, you must send a written notice (by email or post) including your policy number and the requested cancellation date. Coverage ends the last day of your current invoiced month, with refunds for any unused premiums. Attach identification if required by customer support.
What is the claims process and how long does reimbursement take?
You pay your vet and then complete a claim form, submitting it with itemized invoices and veterinary records by email, fax or mail. Claims are typically processed in 10–15 business days once all documents are received. Refunds are made by direct deposit or cheque, depending on your preferred payment method.
Are pre-existing conditions covered by Sonnet pet insurance?
No, pre-existing conditions—including any symptoms, diagnoses, or treatments showing before the policy start date or during the waiting period—are excluded from coverage. This also applies to conditions showing up in veterinary records from previous owners or shelters.
What costs are covered and what are the annual limits with Sonnet?
Sonnet covers up to 80% of eligible veterinary costs, including illnesses, accidents, dental care, diagnostics, surgeries, alternative and behavioural therapies, and certain medical devices. Annual or per-incident limits apply, such as $2,500 per condition for illness or accident and set limits for dental and alternative therapy. Check your policy documents for specific details.
