PC vs Sonnet: Pet Insurance Comparison (2026)
A side-by-side comparison of PC Pet Insurance and Sonnet for Canadian pet owners — coverage, waiting periods, pricing, and which is the better fit for your dog or cat.
PC is no longer available to new customers (as of 2026). PC Pet Insurance is no longer available to new customers. PC Insurance now offers home and auto insurance only (PC Financial was acquired by EQ Bank's parent EQB in 2026). If you're shopping for pet insurance, compare the active providers below — Desjardins and Petsecure use the same underwriting family (Petline) with a similar plan structure. This comparison is kept for reference and for existing policyholders.
Quick Verdict
Sonnet wins by default: PC is no longer available to new customers, so Sonnet is the only one of the two you can actually buy today. It's best for existing sonnet customers who want to bundle insurance products.
| Feature | PC 3.5/5 | Sonnet 4/5 |
|---|---|---|
| Max reimbursement | 80% | 80% |
| Max annual limit | Unlimited | $15,000 |
| Accident waiting period | 48 hours | 48 hours |
| Illness waiting period | 14 days | 14 days |
| Direct vet pay | No | No |
| Exam fees covered | Yes | No |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $35 | $62 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 5% | 5% |
| Customer rating | 3.5/5 | 4/5 |
PC
No longer accepting new customers — see our comparison of active providers for alternatives
No longer sold — see alternativesPC: Pros & Cons
- Most affordable starting prices ($10.95/mo dogs, $9.95/mo cats)
- Earn PC Optimum points on premiums
- Four plan tiers for different budgets
- Covers exam fees
- Available in all provinces
- 6-month waiting period for orthopedic conditions
- No mobile app for claims
- Changing plans requires new application
- Limited online reviews
Sonnet: Pros & Cons
- 5% discount for existing Sonnet customers
- No upper age limit for enrollment
- Covers dental illness (not just accidents)
- Alternative and behavioral therapy included
- Travel coverage in US and Canada
- $2,500 per-condition and per-accident caps limit large claims
- Reimbursement can be adjusted based on claims history
- Not available in all provinces (SK, MB, NL, territories)
- 6-month waiting period for dental/cruciate/IVDD
PC vs Sonnet: FAQ
Is PC or Sonnet better for pet insurance in Canada?
PC comes out ahead on more of our scored factors (3 vs 1), but the best choice depends on your pet. PC is best for No longer accepting new customers — see our comparison of active providers for alternatives. Sonnet is best for Existing Sonnet customers who want to bundle insurance products.
Which has a shorter waiting period, PC or Sonnet?
PC has a 14 days illness waiting period and 48 hours for accidents. Sonnet has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, PC or Sonnet?
Average monthly premiums for a dog are about $35 with PC and $62 with Sonnet. Your actual price depends on your pet's age, breed, and location.
Are PC and Sonnet available in Quebec?
PC is available in Quebec. Sonnet is available in Quebec.
More comparisons
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