PetSonnet (a Definity company) built its reputation on simple, online-only home and auto insurance, and extends the same digital-first approach to pet insurance. Because the pet product is underwritten by Petline, the coverage mechanics will feel familiar if you've looked at Petsecure — the difference is Sonnet's streamlined online experience and its own plan structure. Here's what Canadian pet owners should know.
Coverage at a glance
| Feature | Sonnet Pet Insurance |
|---|---|
| Underwritten by | Petline Insurance Company |
| Plan tiers | Accident & Illness, and Comprehensive |
| Reimbursement rate | Up to 80% |
| Annual payout cap | Annual limit applies (plan-dependent) |
| Deductible structure | Annual |
| Direct vet pay | No — reimbursement model |
| Dental | Illness/trauma covered; annual cleanings on Comprehensive |
| Extras | Emergency care, hospitalization, kennel/boarding fees, lost-pet advertising |
| Quote & purchase | Fully online |
Pros and cons
✓ What works
- Backed by Petline — one of Canada's largest, established pet insurance underwriters
- Fully online quote-and-buy flow; easy to manage digitally
- Comprehensive tier includes annual dental cleanings, which many insurers exclude
- Useful extras: kennel/boarding fees and lost-pet advertising
- Simple two-tier structure — less decision fatigue than highly customizable plans
✓ What doesn't
- Reimbursement caps at 80% — no 90% option like some competitors
- Reimbursement model only — you pay the vet up front, then claim
- Annual payout is capped (no unlimited option like Trupanion)
- Not available in every province — check eligibility for your location first
- Fewer customization levers than a tiered plan like Pets Plus Us
Who it's best for
- Owners who want a simple, fully online plan from an established underwriter
- Cat and dog owners who value included dental (including annual cleanings on Comprehensive)
- People already using Sonnet for home/auto who want one digital provider
Our verdict
Bottom Line
Sonnet Pet Insurance is a solid, no-friction option for owners who want a simple online plan backed by a major underwriter (Petline), and the included dental — annual cleanings on the Comprehensive tier — is a genuine differentiator. The trade-offs are real, though: reimbursement maxes out at 80%, there's no direct vet pay, the annual payout is capped, and it isn't sold in every province. If you want the highest catastrophic ceiling, compare it against an unlimited-payout plan like Trupanion; if you want maximum customization, look at Pets Plus Us. Always confirm Sonnet is available in your province and compare a real quote before deciding.