PC vs Sonnet: Pet Insurance Comparison (2026)
A side-by-side comparison of PC Pet Insurance 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, PC wins 3 to 1. That said, the right pick depends on your pet: PC is best for budget-conscious pet owners who shop at loblaws/pc stores and want to earn points, while Sonnet is best for existing sonnet customers who want to bundle insurance products.
| Feature | PC 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 | Yes | No |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $35 | $40 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 5% | 5% |
| Customer rating | 3.5/5 | 4/5 |
PC: Pros & Cons
- Most affordable starting prices ($10.95/mo dogs, $9.95/mo cats)
- Earn PC Optimum points on premiums
- Four plan tiers for different budgets
- Covers exam fees
- Available in all provinces
- 6-month waiting period for orthopedic conditions
- No mobile app for claims
- Changing plans requires new application
- Limited online reviews
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
PC vs Sonnet: FAQ
Is PC or Sonnet better for pet insurance in Canada?
PC comes out ahead on more of our scored factors (3 vs 1), but the best choice depends on your pet. PC is best for Budget-conscious pet owners who shop at Loblaws/PC stores and want to earn points. Sonnet is best for Existing Sonnet customers who want to bundle insurance products.
Which has a shorter waiting period, PC or Sonnet?
PC 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, PC or Sonnet?
Average monthly premiums for a dog are about $35 with PC and $40 with Sonnet. Your actual price depends on your pet's age, breed, and location.
Are PC and Sonnet available in Quebec?
PC is available in Quebec. Sonnet is available in Quebec.
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