PHI Direct is good basic coverage for your pet – without being weighed down by costly premiums.
Urgent Care is why you need insurance most. So why overpay for long-term coverage that protects you for every possible outcome? With PHI Direct, each year you’re buying a year’s worth of pet health insurance coverage with enough of a payout to get you through a typical pet medical crisis.
With PHI Direct, you get 80% reimbursement on eligible vet bills, two annual policy limit options of $5,000 or $10,000, and one low $200 annual deductible – so you start getting paid back sooner. PHI Direct’s ‘New-Condition Coverage’ approach provides protection with very reasonable premiums over the life of your pet – up to 50% less compared to other insurers* – and provides you with enough reimbursement benefits for the vast majority of incidents that impact most pets.
PHI Direct might be a purr-fect choice for you, if:
You’re on a tight budget and you want coverage for the ‘just in case’
Your pet already has been diagnosed with a pre-existing condition, but you want coverage just in case any new accident or illness might happen to them
Your old insurer’s prices got too expensive, but you want protection just in case something new pops up
PHI Direct isn’t for everyone. We hope to provide pet guardians with options when it comes to their pet’s well-being. PHI Direct might not be the right fit for you if you’re concerned about ongoing illnesses. Too many pets in Canada don’t have the protection of pet insurance. Our goal is to bring affordable pet insurance to more Canadians than ever before.
The PHI Direct new-condition coverage approach will help protect more Canadian pets. Explore whether a PHI Direct pet health insurance policy is right for you and your pet and learn why pet guardians choose PHI Direct.
*Source: 2024 North American Pet Health Insurance Association (NAPHIA) Industry Data Report, Section 3: Average Premiums (Canada) / PHI Direct’s average premium for cats is $21.87/ month compared to the industry average of $40.73. PHI Direct’s average premium for dogs is $38.66/ month compared to the industry average of $78.41
