Fetch vs Sonnet: Pet Insurance Comparison (2026)
A side-by-side comparison of Fetch and Sonnet for Canadian pet owners — coverage, waiting periods, pricing, and which is the better fit for your dog or cat.
Quick Verdict
Fetch and Sonnet are evenly matched on our scored factors. Fetch is best for pet owners who want comprehensive coverage with exam fees included and flexible options, while Sonnet is best for existing sonnet customers who want to bundle insurance products.
| Feature | Fetch 2.5/5 | Sonnet 4/5 |
|---|---|---|
| Max reimbursement | 90% | 80% |
| Max annual limit | Unlimited | $5,000 |
| Accident waiting period | None | 48 hours |
| Illness waiting period | 15 days | 14 days |
| Direct vet pay | No | No |
| Exam fees covered | Yes | No |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $50 | $40 |
| Available in Quebec | No | Yes |
| Multi-pet discount | 5% | 5% |
| Customer rating | 2.5/5 | 4/5 |
Fetch
Pet owners who want comprehensive coverage with exam fees included and flexible options
Get Fetch QuoteFetch: Pros & Cons
- No waiting period for accidents
- Covers exam fees (saves $50-$250 per visit)
- Flexible reimbursement options (70/80/90%)
- Fast claims processing (2 days)
- No upper age limit
- Not available in Quebec or New Brunswick
- 180-day waiting period for orthopedic conditions
- Not Canadian-owned
- Premiums can increase significantly with age
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
Fetch vs Sonnet: FAQ
Is Fetch or Sonnet better for pet insurance in Canada?
Fetch and Sonnet are closely matched. Fetch is best for Pet owners who want comprehensive coverage with exam fees included and flexible options, while Sonnet is best for Existing Sonnet customers who want to bundle insurance products.
Which has a shorter waiting period, Fetch or Sonnet?
Fetch has a 15 days illness waiting period and none for accidents. Sonnet has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, Fetch or Sonnet?
Average monthly premiums for a dog are about $50 with Fetch and $40 with Sonnet. Your actual price depends on your pet's age, breed, and location.
Are Fetch and Sonnet available in Quebec?
Fetch is not available in Quebec. Sonnet is available in Quebec.
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