4
out of 5
POSTED: | BY: Maurice Levy
Owner
Easy to talk to some one and guide me through the plan
4.5
out of 5
Number of reviews 28
PHI Direct is truly affordable pet insurance for Canada’s cats and dogs. PHI Direct’s policies are, on average, 45% less for dogs and 37% less for cats than other Canadian providers. They provide up to $10,000 of coverage per year, telehealth coverage is included as-standard and they have a low $200 deductible – so your vet bills are covered sooner.
5
out of 5
POSTED: | BY: Lilia Carone
Very fast and easy to get money back
Being that I had never heard of this company before, I was a little skeptical, but I am impressed by how fast and easy it was to both submit a claim and get money back. A very friendly customer service agent reached out to me right away, as there was some info missing from my claim, and I received money back within a few days. A breath of fresh air, especially compared with my old insurance provider. Definitely recommended.
5
out of 5
POSTED: | BY: Lilia Carone
A breath of freshair.
Very fast and easy to get money back. Being that I had never heard of this company before, I was a little skeptical, but I am impressed by how fast and easy it was to both submit a claim and get money back. A very friendly customer service agent reached out to me right away, as there was some info missing from my claim, and I received money back within a few days. A breath of fresh air, especially compared with my old insurance provider. Definitely recommended.
5
out of 5
POSTED: | BY: Matthew Beatty
Super easy and fast
I had a claim for vomiting for Sebastian (my cat) that PHI Direct paid quickly and easily. I called them to submit my claim and provide all the details they needed. The person I spoke to helped me to understand the process and the claim was paid a few days later. I would recommend PHI Direct to other pet owners in Canada.
5
out of 5
POSTED: | BY: Sarah J
Extremely professional, fair, and transparent insurance company.
I was one of PHI Direct's early customers and I took a chance on them when my previous provider closed up shop. Since the very start, I have found their sign up and fees to be very reasonable and easy to understand. I appreciate the level of professionalism in the documents they send and in their customer service communication. There are no surprises since everything is laid out clearly in the paperwork. Making a claim was super easy, and they answered any and every question I had very transparently. I am very happy with this company and hope to be with them for as long as I have my cats!
Monthly Cost
As low as $10.19 per month for cats and $15.20 per month for Dogs
Coverage
PHI Direct will cover:
Alternative Therapies
Anesthesia & Surgery
Applicable Taxes
Behavioural Therapy
Dental Tooth Fracture
Diagnostics
Emergency Care
Euthanasia
Exam Fees
Hospitalization
Imaging – CT Scans, MRI and X-Rays
Medical Devices
Medical Procedures
Prescription Medications
Referral and Specialist Fees
Parasites
Payout Limits
Direct 5 – $5,000 Annual Benefits/Policy Limit
Direct 10 – $10,000 Annual Benefits/Policy Limit
Your Co-Insurance Share 20%
We Reimbursement 80%
Deductible
$200 Annual Deductible
Age Limits
7 Weeks
Must be enrolled prior to the pets 14th Birthday, 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 ‘Time-Limited 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 Canada’s first Fluff-free Pet Health Insurance™. It’s good basic coverage for your pet – without being weighed down by costly premiums.
PHI Direct’s policies are, on average, 45% less for dogs and 37% less for cats, compared to other insured Canadian pets. It’s Canada’s first Fluff-free Pet Health Insurance™. You get 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.
Designed to put affordable pet health insurance in your hands, PHI Direct’s ‘Time-Limited Coverage’ approach offers reimbursement benefits that are enough to address the vast majority of incidents that impact most pets: Direct 5 (up to $5,000/year in annual benefits) and Direct 10 (up to $10,000/year in annual benefits). Both plans give you plenty of coverage with very affordable premiums. Breathe easier knowing that up to 80% of costly, new and unexpected veterinary treatments will be covered.
The PHI Direct ‘Time-Limited Coverage’ approach will help insure more Canadian pets.
Explore whether a PHI Direct pet health insurance policy is right for you and your pet.