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 inclusionsComparison 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
Efficiency
Efficiency, always ready to help, kindness, process the invoices very fast and reimburse faster.
Quick Reimbursements
I used Spot Pet Insurance. The claims process was very smooth and I got the reimbursement 3-4 days after I submitted the claim.
Easy and hassle free claim process
Easy and hassle free claim process
Ease of process
Ease of process
The company is very responsive with an…
The company is very responsive with an easy to use on line claim submission process. They are quick to review claims and provided reimbursement in a timely manner.
They are fast
They are fast. They are easy to talk. What else do I need more than that:)
Quick and easy to submit my claim
Quick and easy to submit my claim. Coverage was as expected. Thank you
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.