5
out of 5
POSTED: | BY: Eric
Good online support
The claims was very easy and I didn't wait to get the cheque. I was very pleased with the online service. I will highly recommend PHI Direct.
4.5
out of 5
Number of reviews 28
PHI Direct is designed to put budget-friendly pet insurance in your hands for the ‘just in case.’ With PHI Direct’s new-condition coverage, policy premiums are, on average, 50.7% less for dogs and 46.3% less for cats than other Canadian providers* – so that way they can be there for you for the big financial hits of initial diagnosis and treatment. They provide up to $10,000 of coverage per year, 80% reimbursement on eligible vet bills, telehealth coverage included as-standard, and one low $200 annual deductible – so your vet bills are covered sooner.
*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
5
out of 5
POSTED: | BY: Raymond
Quick claims
Claim process is quite simple and was pretty quick. It went to my account in a few days. No hassle. I was skeptical first but now I'm completely relaxed because it's genuine. Thank you. I would hesitate to recommend to other pretty owners and share my positive experience.
5
out of 5
POSTED: | BY: Bernice
Good expeirence
It was very good and the funds were deposited right away.
5
out of 5
POSTED: | BY: Brian
Fast claims payment
Fast Response and even faster claim payment.
5
out of 5
POSTED: | BY: Keiran
Kind.
Kind and straight to the point
Monthly Cost
As low as $8.44 per month for cats and $11.20 per month for dogs with average premiums of $38.66/mo for dogs and $21.87/mo for cats.
Coverage
PHI Direct covers: Accidents, New Illnesses, Emergency Care, Sick Visit Exam Fees, Applicable Taxes, Referral and Specialist Fees, Alternative Therapies, Anesthesia & Surgery, Behavioural Therapy, Dental Tooth Fracture, Diagnostics, Euthanasia, Hospitalization, Imaging – CT Scans, MRI and X-Rays, Medical Devices, Medical Procedures, Prescription Medications, Parasites
Payout Limits
Two annual policy options: $5,000 or $10,000. 80% reimbursement on eligible vet bills. Your co-insurance share is 20%.
Deductible
$200 Annual Deductible
Age Limits
Pets must be at least 7 weeks or under 14 years of age at the time of enrollment. Once enrolled, coverage will continue for as long as the pet remains enrolled.
Waiting Period
For Accidents – 48 Hours
For Illnesses – 14 Days
For Cruciate Ligament Conditions – 60 Days
Exclusions
Understanding what is not eligible for coverage is as important as knowing what is covered. Like most pet insurance policies, PHI Direct does not cover pre-existing conditions. With ‘New-Condition Coverage,’ any condition experienced in one policy year will be considered pre-existing in future policy years, including any associated or bilateral conditions. For a full list of what is not covered, please see the PHI Direct Policy
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