Petsecure vs Sonnet: Pet Insurance Comparison (2026)
A side-by-side comparison of Petsecure 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, Petsecure wins 3 to 1. That said, the right pick depends on your pet: Petsecure is best for pet owners who want predictable pricing that won't increase as their pet ages, while Sonnet is best for existing sonnet customers who want to bundle insurance products.
| Feature | Petsecure 4.1/5 | 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) | $50 | $40 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 5% | 5% |
| Customer rating | 4.1/5 | 4/5 |
Petsecure
Pet owners who want predictable pricing that won't increase as their pet ages
Get Petsecure QuotePetsecure: Pros & Cons
- Premiums don't increase based on pet's age
- 30+ years in business - established Canadian company
- Four plan levels for different budgets
- Covers exam fees and taxes
- Wellness coverage available (Secure 4)
- 6-month waiting period for orthopedic conditions
- Co-insurance can be changed to 30-50% after claims
- Annual deductible increases with pet's age
- No direct vet pay option
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
Petsecure vs Sonnet: FAQ
Is Petsecure or Sonnet better for pet insurance in Canada?
Petsecure comes out ahead on more of our scored factors (3 vs 1), but the best choice depends on your pet. Petsecure is best for Pet owners who want predictable pricing that won't increase as their pet ages. Sonnet is best for Existing Sonnet customers who want to bundle insurance products.
Which has a shorter waiting period, Petsecure or Sonnet?
Petsecure 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, Petsecure or Sonnet?
Average monthly premiums for a dog are about $50 with Petsecure and $40 with Sonnet. Your actual price depends on your pet's age, breed, and location.
Are Petsecure and Sonnet available in Quebec?
Petsecure is available in Quebec. Sonnet is available in Quebec.
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