Sonnet
Accident & Illness
A single fully-online accident & illness plan from a major Canadian insurer.
$$ Mid-rangeAccident & illness
- Reimburses
- 80%
- Annual limit
- $2,500
- Deductible
- Annual
- Exam fees
- Covered
- Accident wait
- 2 days
- Illness wait
- 14 days
Sample monthly cost
$96.25 — 2-year-old medium dog ($100 deductible)Third-party estimate (HelloSafe); province not specified.
- Deductible
- Annual deductible, age-banded (two options, A or B).
- Annual limit
- $2,500 per condition per year, and $2,500 per accident. No overall pooled annual cap is documented.
- Dental
- Dental covered up to $300/year; 6-month dental waiting period.
- Alternative therapy
- Alternative therapy and behavioural therapy each covered up to $350/year.
- Wellness
- No separate wellness/preventive benefit is documented — Sonnet's policy wording has no preventive-care section.
- Waiting periods
- Accidents 2 days, illness 14 days, orthopedic/cruciate 6 mo. 6-month waiting period on dental, cruciate ligament and IVDD conditions.
- Eligibility
- No maximum enrollment age. Not sold in Manitoba, Newfoundland and Labrador, Northwest Territories, Nunavut, Saskatchewan, Yukon.
- Multi-pet discount
- None offered.
- Underwriter
- Petline Insurance Company (distributed by Sonnet Insurance)
Good to know
- •Buy and manage the policy entirely online
- •Vet exam fees covered
- •Alternative & behavioural therapy included
- •5% discount if you already have Sonnet home/auto
- •No maximum enrollment age
Watch out for
- !Only sold in BC, AB, ON, QC, NB, NS and PE
- !$2,500 per-condition annual limit
- !80% reimbursement (no 90% option); can be reduced toward 50% based on claims history
- !One plan only — customise the deductible, not the coverage level