Provider Comparison

Petsecure vs Sonnet: two Petline plans compared

By PetAssured Editorial Team •Last reviewed : June 8, 2026 •7 min read

Quick Answer

This is an unusual matchup: both Petsecure and Sonnet are underwritten by Petline, so the claims engine behind them is the same. The differences are in plan structure and experience — Petsecure offers established multi-tier comprehensive plans with an optional wellness add-on, while Sonnet packages a simpler two-tier product with a fully online flow and annual dental cleanings built into its Comprehensive plan. Pick based on whether you value Petsecure's tier flexibility or Sonnet's simplicity and included dental — and get a quote from each, since pricing can differ even with a shared underwriter.

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Coverage at a glance

Because Petline sits behind both, this comes down to packaging and service rather than a fundamentally different insurer. Here's what separates them in practice.

Feature Petsecure Sonnet Pet Insurance
Underwriter Petline Petline
Plan structure Multi-tier comprehensive Two tiers (Accident & Illness, Comprehensive)
Reimbursement rate Plan-dependent (up to 80%) Up to 80%
Annual payout cap Capped (plan-dependent) Capped (plan-dependent)
Wellness / routine Optional add-on Annual dental cleanings on Comprehensive
Experience Established; phone + online Fully online, digital-first
Availability Broad Selected provinces — verify yours
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Where each one wins

✓ Petsecure shines when…

  • Long track record in the Canadian market
  • More tier/customization options, including a wellness add-on
  • Broad availability
  • Familiar, well-documented claims process

✓ Sonnet Pet Insurance shines when…

  • Fully online quote, purchase, and management
  • Annual dental cleanings included on the Comprehensive plan
  • Simple two-tier choice — less decision fatigue
  • Same Petline claims engine behind it

The honest verdict

Our Recommendation

Choose Petsecure if you want tier flexibility and a long-established brand, or you specifically want a wellness add-on structured Petsecure's way.

Choose Sonnet if you prefer a simple, fully online plan with annual dental built in — and it's available in your province. Since both run on Petline, compare the actual quotes and coverage details side by side before deciding.

Get a Petsecure quote → Get a Sonnet Pet Insurance quote →

Frequently asked questions

Are Petsecure and Sonnet the same company?
Not the same brand, but both pet products are underwritten by Petline Insurance Company. The distribution, plan packaging, and customer experience differ.
Does either offer direct vet pay?
Both are primarily reimbursement models — you pay the vet and claim afterward. For direct vet pay, look at Trupanion's VetDirect.
Which has better dental coverage?
Sonnet's Comprehensive plan includes annual dental cleanings, which Petsecure typically treats as part of a wellness add-on. Confirm the current terms with each.
If they share an underwriter, why do prices differ?
Distribution costs, plan design, and pricing models differ between the two brands, so quotes can vary even with the same underwriter. Always compare both for your specific pet.