Spot vs Sonnet: Pet Insurance Comparison (2026)
A side-by-side comparison of Spot Pet Insurance and Sonnet 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, Spot wins 5 to 2. That said, the right pick depends on your pet: Spot is best for pet owners whose pets have had curable conditions in the past, or who want behavioral/alternative therapy coverage, while Sonnet is best for existing sonnet customers who want to bundle insurance products.
| Feature | Spot 4.5/5 | Sonnet 4/5 |
|---|---|---|
| Max reimbursement | 90% | 80% |
| Max annual limit | Unlimited | $5,000 |
| Accident waiting period | None (coverage starts next day) | 48 hours |
| Illness waiting period | 14 days | 14 days |
| Direct vet pay | No | No |
| Exam fees covered | No | No |
| Curable pre-existing conditions | Yes | No |
| Avg. monthly cost (dog) | $55 | $40 |
| Available in Quebec | No | Yes |
| Multi-pet discount | 10% | 5% |
| Customer rating | 4.5/5 | 4/5 |
Spot
Pet owners whose pets have had curable conditions in the past, or who want behavioral/alternative therapy coverage
Get Spot QuoteSpot: Pros & Cons
- Curable pre-existing conditions covered after 180 days symptom-free
- No accident waiting period (starts next day)
- Behavioral and alternative therapy included in base plan
- Flexible coverage options (4 levels)
- 10% multi-pet discount
- Not available in Quebec
- Knee/ligament conditions have bilateral exclusion
- US-based company
- Doesn't cover exam fees
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
- Low annual limit ($5,000 total)
- Per-condition limit of $2,500
- Not available in all provinces (SK, MB, NL, territories)
- 6-month waiting period for orthopedic/dental
Spot vs Sonnet: FAQ
Is Spot or Sonnet better for pet insurance in Canada?
Spot comes out ahead on more of our scored factors (5 vs 2), but the best choice depends on your pet. Spot is best for Pet owners whose pets have had curable conditions in the past, or who want behavioral/alternative therapy coverage. Sonnet is best for Existing Sonnet customers who want to bundle insurance products.
Which has a shorter waiting period, Spot or Sonnet?
Spot has a 14 days illness waiting period and none (coverage starts next day) for accidents. Sonnet has a 14 days illness waiting period and 48 hours for accidents.
Which is cheaper, Spot or Sonnet?
Average monthly premiums for a dog are about $55 with Spot and $40 with Sonnet. Your actual price depends on your pet's age, breed, and location.
Are Spot and Sonnet available in Quebec?
Spot is not available in Quebec. Sonnet is available in Quebec.
More comparisons
This page contains affiliate links. We may earn a commission if you buy a policy through our links, at no extra cost to you. Coverage details are reviewed regularly; always confirm current terms with the provider before purchasing.