Desjardins vs Sonnet: Pet Insurance Comparison (2026)
A side-by-side comparison of Desjardins and Sonnet for Canadian pet owners — coverage, waiting periods, pricing, and which is the better fit for your dog or cat.
Quick Verdict
Across our scored factors, Sonnet wins 2 to 1. That said, the right pick depends on your pet: Desjardins is best for pet owners who want to bundle with other desjardins insurance or need french-language service, while Sonnet is best for existing sonnet customers who want to bundle insurance products.
| Feature | Desjardins 3.5/5 | Sonnet 4/5 |
|---|---|---|
| Max reimbursement | 80% | 80% |
| Max annual limit | Unlimited | $5,000 |
| Accident waiting period | 48 hours | 48 hours |
| Illness waiting period | 14 days | 14 days |
| Direct vet pay | No | No |
| Exam fees covered | No | No |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $55 | $40 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 5% | 5% |
| Customer rating | 3.5/5 | 4/5 |
Desjardins
Pet owners who want to bundle with other Desjardins insurance or need French-language service
Get Desjardins QuoteDesjardins: Pros & Cons
- Backed by major Canadian financial institution
- Bilingual service (English/French)
- Gold plan offers unlimited coverage with wellness
- Bundle discounts with home/auto
- Available in all provinces including Quebec
- 6-month waiting period for orthopedic conditions
- Deductible increases with pet's age
- Bronze plan is quite limited
- Doesn't cover exam fees
Sonnet: Pros & Cons
- 5% discount for existing Sonnet customers
- No upper age limit for enrollment
- Covers dental illness (not just accidents)
- Alternative and behavioral therapy included
- Travel coverage in US and Canada
- Low annual limit ($5,000 total)
- Per-condition limit of $2,500
- Not available in all provinces (SK, MB, NL, territories)
- 6-month waiting period for orthopedic/dental
Desjardins vs Sonnet: FAQ
Is Desjardins or Sonnet better for pet insurance in Canada?
Sonnet comes out ahead on more of our scored factors (2 vs 1), but the best choice depends on your pet. Desjardins is best for Pet owners who want to bundle with other Desjardins insurance or need French-language service. Sonnet is best for Existing Sonnet customers who want to bundle insurance products.
Which has a shorter waiting period, Desjardins or Sonnet?
Desjardins has a 14 days illness waiting period and 48 hours for accidents. Sonnet has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, Desjardins or Sonnet?
Average monthly premiums for a dog are about $55 with Desjardins and $40 with Sonnet. Your actual price depends on your pet's age, breed, and location.
Are Desjardins and Sonnet available in Quebec?
Desjardins is available in Quebec. Sonnet is available in Quebec.
More comparisons
This page contains affiliate links. We may earn a commission if you buy a policy through our links, at no extra cost to you. Coverage details are reviewed regularly; always confirm current terms with the provider before purchasing.