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 3 to 2. That said, the right pick depends on your pet: Spot is best for young pets enrolled early — they lock in next-day accident coverage and start at the highest reimbursement tier, 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 | $20,000 | $15,000 |
| 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 | No | No |
| Avg. monthly cost (dog) | $85 | $62 |
| Available in Quebec | No | Yes |
| Multi-pet discount | 5% (2 pets), 10% (3+ pets) | 5% |
| Customer rating | 4.5/5 | 4/5 |
Spot
Young pets enrolled early — they lock in next-day accident coverage and start at the highest reimbursement tier
Get Spot QuoteSpot: Pros & Cons
- No accident waiting period (coverage starts next day)
- 90% reimbursement for pets enrolled under age 2
- Behavioral and alternative therapy included in base plan
- Wellness add-ons from $17/month
- Multi-pet discount (5-10%)
- Reimbursement drops as your pet ages (90% under 2, down to 70% over 10)
- Deductible also increases with age
- Not available in Quebec
- US-based company
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
Spot vs Sonnet: FAQ
Is Spot or Sonnet better for pet insurance in Canada?
Spot comes out ahead on more of our scored factors (3 vs 2), but the best choice depends on your pet. Spot is best for Young pets enrolled early — they lock in next-day accident coverage and start at the highest reimbursement tier. 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 $85 with Spot and $62 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.
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