Pets Plus Us vs Sonnet: Pet Insurance Comparison (2026)
A side-by-side comparison of Pets Plus Us 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: Pets Plus Us is best for budget-conscious pet owners, especially costco or caa members, while Sonnet is best for existing sonnet customers who want to bundle insurance products.
| Feature | Pets Plus Us 2.1/5 | Sonnet 4/5 |
|---|---|---|
| Max reimbursement | 90% | 80% |
| Max annual limit | $15,000 | $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) | $45 | $40 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 5% | 5% |
| Customer rating | 2.1/5 | 4/5 |
Pets Plus Us: Pros & Cons
- Affordable premiums
- Costco members get preferred rates + first month free
- CAA members get 13.5% discount
- Flex Care covers pre-existing conditions
- No lifetime limits on claims
- Doesn't cover dental or alternative therapies in base plan
- Doesn't cover exam fees
- Complaints about premium increases at renewal
- Claims processing can be slow
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
Pets Plus Us vs Sonnet: FAQ
Is Pets Plus Us 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. Pets Plus Us is best for Budget-conscious pet owners, especially Costco or CAA members. Sonnet is best for Existing Sonnet customers who want to bundle insurance products.
Which has a shorter waiting period, Pets Plus Us or Sonnet?
Pets Plus Us 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, Pets Plus Us or Sonnet?
Average monthly premiums for a dog are about $45 with Pets Plus Us and $40 with Sonnet. Your actual price depends on your pet's age, breed, and location.
Are Pets Plus Us and Sonnet available in Quebec?
Pets Plus Us is available in Quebec. Sonnet is available in Quebec.
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