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 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: 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 $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