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  • About Sonnet Pet Insurance
    • Sonnet pet insurance features
  • Sonnet pet insurance product rating: 5.0 stars
  • The pros of Sonnet pet insurance
  • The cons of Sonnet pet insurance
  • Sonnet pet insurance alternatives
  • FAQ
moneyGenius Team
Written and Edited By

If you have a furry companion, you already know how important they are to you. It can be hard to think about what could happen if disaster struck – could you afford to pay the medical bills? Would you have to make a hard choice, because you can’t afford to spend thousands on your pet?

That’s where pet insurance comes in, giving some pet owners peace of mind. Sonnet pet insurance is one of your many options in Canada, covering the basics like accidents, illness, surgeries, and dental care. And as an online-only insurance company, it can give it to you for cheap (beginning) rates and from the comfort of your home. But is it your best choice?

Sonnet pet insurance features

Here’s what Sonnet pet insurance can offer you.

Sonnet
5.0
Genius Rating
Why You Want It
Competitive pricing + Quick and easy insurance coverage for your furry friend.
Eligibility
  • Canadian citizen
  • Age of majority
Provinces
AB, ALL, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT
Features
Accidents Coverage
Yes
Illness Coverage
Yes
Procedures Coverage
Yes
Dental Care
Yes
Hereditary & Breed-specific Conditions
Yes
Hospital Stays
Yes
Boarding Fees
Yes
Alternative Therapy
Yes
Medication
Yes
Exam Fees
Yes
Behavioural Therapy
Yes
Medical Devices
Yes
Holiday Cancellation
Yes
Lost Pet Advertising
Yes
Cremation Or Burial
Yes
Preventative Care Coverage
Yes
Prescription Food Coverage
No
In Memoriam Donation
Yes

* These quotes (and the ones in the table below) are meant for illustrative purposes only and were obtained using specific scenarios of a 5 year old male golden retriever and 5 year old female ragdoll. The cheapest option was chosen, which may not include everything listed in the table. Your own situation and various other factors may impact what your personal quotes are.

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Sonnet pet insurance product rating: 5.0 stars

Sonnet pet insurance covers all the basics and provides a few extra coverages to boot. Overall, the experience was easy and quick, resulting in a competitive quote (though not the best one we were offered).

The downsides are that Sonnet didn’t offer some extra coverages that many people would want, such as prescription food. It’s also an online-only company, which helps make the plans cheaper, but does take some extra trust.

Sonnet did well by having the 4 main features we’ve identified, plus some extras to top it off (though not as many extras as you may want). They also gave us a decent cat quote, but their dog quote was a bit more expensive in comparison to other quotes we received.

Rating methodology

To come up with a star rating for our product reviews, we first break down a product into its main features, which you can see in the table above. We then give each feature a rating out of 5, depending on how the product does in comparison to similar products. The average of these scores becomes the overall rating, out of a possible 5 stars.

Learn more about our rating methodology.

The pros of Sonnet pet insurance

Here are some of the good things about Sonnet pet insurance.

Pros

pro Hits all the basic coverages

Sonnet hits all the essential coverages you’d likely want included with pet insurance, such as accidents, illness, surgery, and even dental care. How much is covered per year varies with the plan you choose, but the limits are $2,500 per accident, $2,500 per illness, and $300 dental coverage per year.

pro A handful of extra coverages available

And you’ll get even more covered, including $350 worth of special coverage like alternative therapy, behavioural therapy, and medical devices. Then to top it off, their add-ons include boarding kennel fees, holiday cancellation, and more.

pro Offered decently low quotes

The quotes we received for our 2 scenarios were decently low, especially for our cat. The dog was a bit higher, but not the most expensive we received from the 4 companies we sampled. If you’re looking to save money, Sonnet offers you a decent chance.

pro Easy and quick quote process

The quote was quick, easy, and intuitive. Once you filled in your information, you had a detailed summary of what your plan could give you, including the option to choose between 2 different deductibles for each plan. This is super helpful for when you’re doing some price comparison.

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The cons of Sonnet pet insurance

And here are some downsides as well.

Cons

con No coverage for prescription food

One of the most important coverages that aren’t included with Sonnet pet insurance is prescription food, which is something that other companies do offer. If this is something you think you’ll need, you may want to look elsewhere.

con Sonnet has a history of increasing insurance rates

Many reviewers on other products have claimed that Sonnet increases their rates without notice, which is a common tactic for low-cost insurance companies. Though these Insureye reviews are about Sonnet’s home insurance, it’s safe to assume this could happen for any of their insurance types.

con Everything is done online

Though this could sound like a pro for people who prefer to do things from the comfort of their home, an online insurance company can be difficult to deal with, especially when an emergency hits. Complicated claims will take multiple calls, meaning you’ll have to talk to a new customer service agent each time.

con Not the cheapest company we looked at

Despite being an online-only insurance company, Sonnet still didn’t give us the cheapest quotes out of the 4 companies. If you were to compare these companies based solely on price, you may want to look somewhere else.

Sonnet pet insurance alternatives

Here’s how Sonnet pet insurance compares to other pet insurance on the Canadian market.

SonnetTrupanionPets+UsSpot Pet Insurance
AccountSonnet Pet InsuranceTrupanion Pet InsurancePets+Us Pet InsuranceSpot Pet Insurance
Genius Rating5.02.42.73.9
Why You Want ItCompetitive pricing + Quick and easy insurance coverage for your furry friend.90% coverage with no payout limit + See any veterinarian you like.Get flexible insurance coverage + Access exclusive benefits with a plan.Get full coverage for your special pet with quick and easy pricing
Accidents CoverageYesYesYesYes
Illness CoverageYesYesYesYes
Procedures CoverageYesYesYesYes
Dental CareYesYesNoYes
Hereditary & Breed-specific ConditionsYesYesYesYes
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FAQ

What does Sonnet pet insurance cover?

Sonnet pet insurance hits most of the major things that are usually covered by this type of insurance. That includes surgery, accidents, illnesses, dental, examinations, and more. Just note that Sonnet does not cover prescription food, which is offered by other companies. Learn more about what Sonnet covers here.

Is pet insurance worth it?

If you feel better having pet insurance, then it can be worth it for your peace of mind. Just remember that pet insurance, like most insurance, has a lot of exceptions – so you may find yourself in an emergency situation you thought was covered, but find out you have no coverage at all. Some people recommend simply starting a separate savings account instead of getting pet insurance, since your money is much more accessible that way.

How much is pet insurance?

The price of pet insurance depends on your pet’s breed, gender, age, and more. Out of the 4 companies we surveyed using 2 specific situations, we got an average quote of $18.84 for a 5 year old female ragdoll, and $28.80 for a 5 year old male golden retriever. Check out our comparison of 4 different pet insurance companies here.

What are the benefits of Sonnet pet insurance?

Sonnet insurance is an online-only insurance company, which means they have a convenient website and cheaper-than-usual premiums. When it comes to their pet insurance, they cover the major options you’re likely looking for, plus extras like lost pet advertising and boarding kennel fees. Click here to see more of what they have to offer.

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Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.

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Ratings & Reviews

5.0
Genius Rating
 
1.0
4 total review(s)
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1 Star
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BG | May 20, 2023
COMPLETE SCAM
Their pet insurance is a complete scam. My pet was just diagnosed last week and because I submitted a claim stating “testing to rule out xxx” they decided that was enough information to decide not to cover that specific illness. What’s the point of insurance if they refuse to assist with ANY vet costs for a new disease?? What a scam. Would not recommend.
Rebecca | March 22, 2022
Use any other service not this one
Shortly after signing up for pet insurance my dog passed away unexpectedly. I accumulated a 5,100 vet bill and was not offered coverage on ANYTHING. I sent 9 years of vet reports to prove my dog was otherwise healthy before her sudden passing and they claimed that it was a pre-existing condition. Do not use this service.
M Megan | February 16, 2022
Dissatisfied Entirely with Sonnet Pet Insurance
Very unsatisfied with customer service, Policies, What they feel is acceptable and non acceptable as in claims.They are unwilling to work with you whatsoever. When signing up, they tend to leave out The process of reviewing of medical files, that "they" get to pick and choose what they will accept for claims and what they feel is going to be a future future issue so to speak, even without a diagnosis from a certified veterinarian. Extremely unafformative, Even when signing up you will not even receive so much as one piece of paper welcoming you and your pet or stating anything about your policy or when it starts when it's renewed et cetera. Also when decisions are being made on what was reviewed on medical files that determines what was decided on exclusion and non exclusion, clients dont even recieve a documentation. When submitting claims they don't even so much as call you as to what was accepted or denied. They send a notification in the "portal" Where clients have to sign in through a website To be able to access any information. We don't even get so much as a "high priority marked Email", let al9ne a phone call of mailed documentation. I pretty sure when claims are submitted, They will "again" go and review your pets medical files and pick and choose what they want to cover. Which in most cases is all denied since they feel they are allotted to exclude Whatever they feel, might lead to a medical Condition later on down the road. Even Without having a professional diagnosis from a vet before excluding things out of the policy. Very unprofessional customer service, the tone of voice, her gesture, speaking over me, not listening To my concerns and questions and overall not being accommodating, Or understanding. And still have not resolved concerns questions and issues within the policy. I would not refer this company for pet insurance. They seemnto do best for car insurance, Since I have been with them for 6 years and they seem to be great at that. Maybe they bit off a little bit more than they can chew so to speak. Stay clear of the Sonnet Pet Insurance, It's just a money grabber.
Olga | July 21, 2021
Extremely dissatisfied with the service
I am extremely dissatisfied with the quality of your service. First, I don’t understand why they start charging clients before even completing the underwriting process. I started paying for pet insurance which was not even in effect – this is just wrong and unethical sales practice. Second, when policy underwriting was finally completed, I received policy exclusion notice. though my dog DOES NOT have a pre-existing condition they refer to. This is just unprofessional. Third, I could not reach anyone over the phone provided at the web portal. Emails are never responded. I wanted to discuss the results of underwriting but spent over 40 minutes on hold listening to automates messages and being ignored. There is no way to cancel this policy online.

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