Trupanion vs Sonnet: Pet Insurance Comparison (2026)
A side-by-side comparison of Trupanion 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, Trupanion wins 6 to 2. That said, the right pick depends on your pet: Trupanion is best for pet owners who want comprehensive coverage and don't want to pay vet bills upfront, while Sonnet is best for existing sonnet customers who want to bundle insurance products.
| Feature | Trupanion 4.2/5 | Sonnet 4/5 |
|---|---|---|
| Max reimbursement | 90% | 80% |
| Max annual limit | Unlimited | $5,000 |
| Accident waiting period | 5 days | 48 hours |
| Illness waiting period | 30 days | 14 days |
| Direct vet pay | Yes | No |
| Exam fees covered | No | No |
| Curable pre-existing conditions | Yes | No |
| Avg. monthly cost (dog) | $75 | $40 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | — | 5% |
| Customer rating | 4.2/5 | 4/5 |
Trupanion
Pet owners who want comprehensive coverage and don't want to pay vet bills upfront
Get Trupanion QuoteTrupanion: Pros & Cons
- Unlimited lifetime coverage with no caps
- VetDirect Pay - vet gets paid directly
- Per-condition deductible (pay once per condition, ever)
- No waiting period for hip dysplasia
- 90% reimbursement on all eligible costs
- Higher monthly premiums than competitors
- No wellness/preventive care coverage
- Only one reimbursement option (90%)
- 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
Trupanion vs Sonnet: FAQ
Is Trupanion or Sonnet better for pet insurance in Canada?
Trupanion comes out ahead on more of our scored factors (6 vs 2), but the best choice depends on your pet. Trupanion is best for Pet owners who want comprehensive coverage and don't want to pay vet bills upfront. Sonnet is best for Existing Sonnet customers who want to bundle insurance products.
Which has a shorter waiting period, Trupanion or Sonnet?
Trupanion has a 30 days illness waiting period and 5 days for accidents. Sonnet has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, Trupanion or Sonnet?
Average monthly premiums for a dog are about $75 with Trupanion and $40 with Sonnet. Your actual price depends on your pet's age, breed, and location.
Are Trupanion and Sonnet available in Quebec?
Trupanion is available in Quebec. Sonnet is available in Quebec.
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