PetCoverage at a glance
Both are reimbursement-model comprehensive plans without an unlimited cap, so the decision is mostly about customization versus simplicity — and provincial availability. Here's the breakdown.
| Feature | Pets Plus Us | Sonnet Pet Insurance |
|---|---|---|
| Underwriter | Northbridge | Petline |
| Reimbursement rate | 70 / 80 / 90% (you choose) | Up to 80% |
| Annual payout cap | Capped (plan-dependent) | Capped (plan-dependent) |
| Deductible | Annual, customizable | Annual |
| Wellness / routine | Optional add-on | Annual dental cleanings (Comprehensive) |
| Direct vet pay | No — reimbursement | No — reimbursement |
| Experience | Phone + online | Fully online |
| Availability | Broad | Selected provinces — verify yours |
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Where each one wins
✓ Pets Plus Us shines when…
- Most customizable major plan — choose 70/80/90% reimbursement and your deductible
- Optional wellness add-on for routine care
- Broad availability across Canada
- Established underwriter (Northbridge)
✓ Sonnet Pet Insurance shines when…
- Simple two-tier choice — less decision fatigue
- Annual dental cleanings included on the Comprehensive plan
- Fully online quote, purchase, and management
- Backed by Petline
The honest verdict
Our Recommendation
Choose Pets Plus Us if you want to fine-tune the plan — a 90% reimbursement option, an adjustable deductible, and a wellness add-on give you more levers, and it's available almost everywhere.
Choose Sonnet if you want a simple, fully online plan with annual dental built in — and it's sold in your province. Note the 80% reimbursement ceiling versus Pets Plus Us's 90% option.
Frequently asked questions
Which has higher reimbursement?
Pets Plus Us offers up to 90% reimbursement; Sonnet caps at 80%. If maximizing reimbursement matters to you, that's a point for Pets Plus Us.
Does either offer unlimited annual coverage?
No — both are capped (plan-dependent). For an unlimited annual payout, look at Trupanion.
Which has better dental coverage?
Sonnet's Comprehensive plan includes annual dental cleanings; Pets Plus Us typically covers routine dental through its wellness add-on. Confirm the current terms with each.
Is Sonnet available everywhere Pets Plus Us is?
No — Pets Plus Us has broad national availability, while Sonnet is sold in a subset of provinces. Verify Sonnet covers your province before comparing.