Spot Pet Insurance vs. Sonnet - Pet Insurance Plans Comparison
When evaluating pet insurance options in Canada, Spot Pet Insurance and Sonnet Pet Insurance are two providers offering coverage for dogs and cats.
Spot Pet Insurance offers customizable plans that cover accidents, illnesses, and optional wellness care, with reimbursement options up to 90% and the flexibility to visit any licensed veterinarian in Canada and the U.S.
Sonnet Pet Insurance provides coverage for accidents, illnesses, and wellness care, covering up to 80% of eligible vet bills.
Preventive Care Add-On Options
No Waiting Periods for Accidents
Annual Deductible
Multiple Pet Discounts for 2+ Pets
Accident-Only Plan Option
Multiple Annual Limit Plan Options for Accident & Illness Plans
Prescription Food
Alternative Therapies
Behavioral Issues
Sick Exam Fees
14 Day Waiting Period for Illnesses
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Included
Not included/Some inclusionsPreventive Care Add-On Options
Add-ons to a pet insurance policy that can help cover routine veterinary services for your pet to help keep them healthy year-round.
No Waiting Periods for Accidents
The period of time that must pass before coverage can begin for new eligible accidents. Waiting periods begin on the policy's effective date.
Annual Deductible
"*Spot and PetsPlusUs plan deductibles are based on the age of the pet. **Trupanion and Petsecure plans have per-condition deductibles"
Multiple Pet Discounts for 2+ Pets
*PetsPlusUs, PetSecure, OVMA, Peppermint, Desjardins, and Sonnet Pet Insurance plans only offer multi-pet discount when 3+ pets are enrolled.
Accident-Only Plan Option
Plan designed only to help cover unexpected accidents.
Multiple Annual Limit Plan Options for Accident & Illness Plans
*Petsecure and Peppermint plans have per condition annual limits
Prescription Food
"*Spot, Trupanion plans reimburse 50% of the cost, up to $500 per year. *Furkin plans limit reimbursement to up to $100/year for cats and $250/year for dogs *Pets Plus Us plans limit reimbursement to $50 for cats and $200 for dogs up to 2 months per policy year. *Peppermint plans limit reimbursement to up to $75 per year. *PHI Direct plans only cover eligible conditions for 1 policy year for the life of the policy."
Alternative Therapies
"*Trupanion and Desjardins plans require additional monthly cost to cover. *PHI Direct plans only cover eligible conditions for 1 policy year for the life of the policy."
Behavioral Issues
"*Trupanion and Desjardins plans require additional monthly cost to cover *PHI Direct plans only cover eligible conditions for 1 policy year for the life of the policy."
Sick Exam Fees
Coverage for the vet exam fee that apply to most unexpected vet visits. This can include x-rays, diagnostics, MRIs, or any other exam the vet deems medically necessary to diagnose or treat a pet.
14 Day Waiting Period for Illnesses
The period of time that must pass before coverage can begin for new eligible illnesses. Waiting periods begin on the policy's effective date.
Comparison information provided using publicly available information as of 3/5/24 for the purpose of summarizing program features, not a specific plan. Questions regarding other provider’s plans should be answered by contacting an agent of that company. It is our intention to reflect accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing customercare@spotpetinsurance.ca or by mailing PTZ Insurance Services Ltd. at 710 Dorval Drive, Suite 400, Oakville, ON, L6K 3V7.
Spot Pet Insurance Plans vs. Sonnet Pet Insurance Plans
Preventive Care Add-On Options
Spot Pet Insurance offers a variety of plan options with optional wellness riders available as an add-on to Accident and Illness plans. Get reimbursed for the eligible costs of wellness exams, vaccines, dental cleanings, and more. Sonnet Pet Insurance doesn't offer add-ons for preventative care coverage.
Accident-Only Plan Option
Spot Pet Insurance offers pet parents both Accident-Only and Accident and Illness plan options, so they can choose the plan that best fits the needs of their pet and their budget. Sonnet Pet Insurance does not offer an Accident-Only plan option.
Multiple Annual Limit Plan Options for Accident and Illness Plans
With Spot Pet Insurance, pet parents have the power to choose the coverage limit that suits them best. Select a $5,000, $10,000, or unlimited annual limit for your Accident and Illness plan. Sonnet Pet Insurance does not offer pet parents multiple annual limit options to choose from.
Prescription Food
Spot Pet Insurance understands that a healthy pet is a happy pet. Our plans can help cover up to 50% of eligible prescription food costs (up to $500 a year) for covered conditions, helping support your pet's overall health for a better quality of life. Sonnet Pet Insurance plans do not offer coverage for prescription foods.
Conclusion
Spot Pet Insurance encourages you to be proactive about your pet's wellbeing. Next-day accident can help you get coverage fo your pet’s unexpected accidents sooner, while our optional wellness riders can help you cover the eligible costs of routine care. Our Accident-Only plans offer flexibility for budget-conscious pet parents, and our prescription food coverage can help you manage your pet’s eligible conditions.
Comparison information provided using publicly available information as of 3/5/24 for the purpose of summarizing program features, not a specific plan. Questions regarding other provider’s plans should be answered by contacting an agent of that company. It is our intention to reflect accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing customercare@spotpetinsurance.ca or by mailing PTZ Insurance Services Ltd. at 710 Dorval Drive, Suite 400, Oakville, ON, L6K 3V7.
Happy Pet Parents Trust Spot
Peace of Mind for Pet Parents
I couldn’t be happier with my experience using Spot Pet Insurance. From the start, their sign-up process was simple, transparent, and user-friendly. I appreciated the ability to customize my coverage and deductible to fit both my pet’s needs and my budget. What truly sets Spot apart is their exceptional customer service. Whenever I had questions about coverage or claims, their support team was responsive, knowledgeable, and genuinely caring—exactly what you want when you're stressed about your pet’s health. Submitting claims is straightforward through their website, and the turnaround time has been impressively fast. I’ve had a couple of unexpected vet visits, and Spot reimbursed me quickly and fairly. It’s such a relief knowing I can make healthcare decisions for my pet without financial panic looming in the background. If you’re on the fence about pet insurance, I highly recommend Spot. It’s been a game-changer for our family and given me real peace of mind that my pet will always get the care they deserve.
Seamless
Seamless, easy to navigate platform and so quick
Easy claim process
Easy claim process, fast reimbursement. I didn’t expect things to be reimbursed this fast so that was impressive. I wish the system let me upload more document after the claim has been initiated. A bit difficult to navigate the communication part as they say to call them but I just needed to email (sending additional invoices, notes from the vet). Hard to find email to send about the claim.
Best insurance absolutely no waiting…
Best insurance absolutely no waiting for them to finish your claim. Will recommend to everyone with pets
Claim process is simple and…
Claim process is simple and reimbursements are fast
Highly Recommend!
I’m so thankful that we obtained pet insurance through Spot Insurance for our puppy! We have submitted 3 claims, and have been reimbursed 90% within 3 days of submitting them. Great service, and very friendly representatives whenever I’ve had to contact them. Would 100% recommend Spot Insurance. Well worth the monthly fee.
Quick response and transparent and easy…
Quick response and transparent and easy claim processes
Great customer support during my first claim!
This was my first claim and everyone has been super friendly and helpful, whether via email or via phone. The claim was processed uber fast as well. I am ready to recommend you to all of my friends, because without Jeremiah’s insurance I am not sure that I could have afforded his ongoing treatment.
Very professional and easy to submit a claim
I have never had to put a claim in until the last 8 months which totalled two claims. I am very impressed with customer service because on my first claim I need assistance. I put the second claim in early this week and it has been processed already. So far I have had an excellent experience.
Highly Recommend for Peace of Mind!
I recently signed up for pet insurance, and I couldn't be more pleased with the service. The sign-up process was easy, and their customer service team was incredibly helpful in answering all my questions. Having a furry and no furry friend can be unpredictable, but knowing that I have coverage for accidents, illnesses, and even routine care gives me peace of mind. The claims process is simple and quick. Whenever my pet needs treatment, I can rest assured that the insurance will cover a significant portion of the costs. It's comforting to know that I won't have to choose between my pet's health and my finances. Overall, I’m so glad I made the decision to invest in pet insurance. I highly recommend it to any pet owner looking to safeguard their furry companion's health and well-being!