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.
The included dental is the real differentiator
Most Canadian insurers treat routine dental cleanings as a wellness add-on or exclude them entirely, so Sonnet bundling annual cleanings into its Comprehensive tier is a genuine advantage. Dental disease is the most common health problem in adult pets, and a cleaning runs $650–$1,300+ (more in big cities). If your pet is a breed prone to dental trouble, that inclusion can offset a meaningful share of the premium on its own — just confirm the cleaning is on the Comprehensive tier you're quoting, not an entry plan.
Check provincial availability first
Sonnet's biggest practical catch isn't a coverage term — it's geography. The pet product is sold in a subset of provinces, and availability changes, so before you get attached to a quote, confirm Sonnet writes pet policies where you live. If it doesn't serve your province, the closest equivalent is Petsecure, which shares the same Petline underwriting and sells nationwide.
How to get a quote and file a claim
Everything is online: you quote and buy through Sonnet's website, and file claims through your account by uploading the itemized vet invoice and any records Petline's claims team requests. Reimbursement is paid to you, not the clinic, since there's no direct vet pay — so for a five-figure emergency you'll front the bill and wait for reimbursement. Keep an emergency buffer to bridge that gap.
How it compares
Because Sonnet and Petsecure share the same Petline underwriting, the coverage mechanics are close — the choice comes down to Sonnet's online-first experience and included dental versus Petsecure's national availability and wellness options. For a higher catastrophic ceiling or direct vet pay, compare Trupanion; for maximum customization, Pets Plus Us. See them side by side on our best pet insurance in Canada page.