Sonnet Pet Insurance Review
Sonnet, part of Economical Insurance, offers straightforward pet insurance with a single plan. They're best known for offering discounts to existing Sonnet home or auto insurance customers.
Quick Summary: Is Sonnet Worth It?
Sonnet offers 80% reimbursement with annual limits up to $5,000.Monthly premiums range from $25-$75 for dogs and $18-$45 for cats. Note: There's a 6-month waiting period for orthopedic conditions.
Sonnet Waiting Periods
All pet insurance has waiting periods before coverage starts. Here's what to expect with Sonnet:
Pre-Existing Conditions Policy
Understanding how Sonnet handles pre-existing conditions is crucial before enrolling.
Standard pre-existing condition exclusion
Sonnet Pros
- 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
- Easy bundling with home/auto
Sonnet Cons
- 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
- No wellness coverage
- Doesn't cover exam fees
What Sonnet Covers
Core Coverage
- Yes Accidents
- Yes Illnesses
- Yes Hereditary conditions
- Yes Congenital conditions
- Yes Chronic conditions
- Yes Cancer
Medical Services
- No Exam fees
- Yes Prescriptions
- Yes Diagnostics (X-rays, MRI)
- Yes Surgery
- Yes Hospitalization
- Yes Emergency care
Dental & Therapies
- Yes Dental (accident)
- Yes Dental (illness)
- Yes Alternative therapy
- Yes Behavioral therapy
- Yes Physical therapy
Claims Experience
- Processing Time:5-10 business days
- Direct Vet Pay:No - reimbursement only
- Mobile App:Available
- Submit via:app, online, email
Backed by established Economical Insurance. Good integration with other Sonnet products.
About Sonnet
- Headquarters:Toronto, ON
- Founded:2016
- Underwriter:Petline Insurance Company
- Available in:BC, AB, ON, QC, NB, NS, PENot available in: SK, MB, NL, YT, NT, NU
Eligibility Requirements
- Minimum age: 8 weeks
- Maximum enrollment age: No limit
- No maximum age, but additional info required for dogs 8+ or cats 10+
- Any vet: Yes
- US travel coverage: Yes
Available Discounts
- Multi-pet discount: 5%
- 5% discount for existing Sonnet home or auto customers
Ready to protect your pet with Sonnet?
Get a personalized quote based on your pet's age, breed, and location.
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See how Sonnet compares to other top Canadian pet insurers:
Sonnet Head-to-Head Comparisons
Deciding between Sonnet and another insurer? See the detailed side-by-side breakdowns: