Sonnet vs OVMA Pet Health: Pet Insurance Comparison (2026)
A side-by-side comparison of Sonnet and OVMA Pet Health Insurance for Canadian pet owners — coverage, waiting periods, pricing, and which is the better fit for your dog or cat.
Quick Verdict
Across our scored factors, Sonnet wins 2 to 1. That said, the right pick depends on your pet: Sonnet is best for existing sonnet customers who want to bundle insurance products, while OVMA Pet Health is best for owners who want a vet-designed plan with premiums that stay flat as their pet ages.
| Feature | Sonnet 4/5 | OVMA Pet Health 3.5/5 |
|---|---|---|
| Max reimbursement | 80% | 80% |
| Max annual limit | $15,000 | Unlimited |
| Accident waiting period | 48 hours | 48 hours |
| Illness waiting period | 14 days | 14 days |
| Direct vet pay | No | No |
| Exam fees covered | No | No |
| Curable pre-existing conditions | No | No |
| Avg. monthly cost (dog) | $62 | $100 |
| Available in Quebec | Yes | Yes |
| Multi-pet discount | 5% | — |
| Customer rating | 4/5 | 3.5/5 |
OVMA Pet Health
Owners who want a vet-designed plan with premiums that stay flat as their pet ages
Get OVMA Pet Health QuoteSonnet: 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
OVMA Pet Health: Pros & Cons
- Designed and backed by Ontario's veterinarians
- Premiums don't increase as your pet ages
- No maximum enrollment age
- Dental illness coverage included in all plans
- Alternative and behavioural therapies included ($350/category)
- Higher premiums than most competitors
- Deductible increases with pet's age ($100 to $500)
- Reimbursement can drop below 80% with heavy claims history
- Slow claims processing (2-3 weeks)
Sonnet vs OVMA Pet Health: FAQ
Is Sonnet or OVMA Pet Health better for pet insurance in Canada?
Sonnet comes out ahead on more of our scored factors (2 vs 1), but the best choice depends on your pet. Sonnet is best for Existing Sonnet customers who want to bundle insurance products. OVMA Pet Health is best for Owners who want a vet-designed plan with premiums that stay flat as their pet ages.
Which has a shorter waiting period, Sonnet or OVMA Pet Health?
Sonnet has a 14 days illness waiting period and 48 hours for accidents. OVMA Pet Health has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, Sonnet or OVMA Pet Health?
Average monthly premiums for a dog are about $62 with Sonnet and $100 with OVMA Pet Health. Your actual price depends on your pet's age, breed, and location.
Are Sonnet and OVMA Pet Health available in Quebec?
Sonnet is available in Quebec. OVMA Pet Health is available in Quebec.
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