5
out of 5
POSTED: | BY: Chris Draga
Insurance performance evaluation
Good customer service so far.
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: Andrea LeBlanc
With just a few clicks, you get simple, easy to understand pet insurance when you need it, and at a low monthly premium.
The online sign-up process took just a few moments and they even accept PayPal and Apple Pay for added convenience and security. Their easy-to understand explainers with examples make it very clear how coverage works, so there are no surprises. If you're looking for basic coverage for your pet, look no further. PHI Direct are what they say they are: Fluff-free.
5
out of 5
POSTED: | BY: Scott Tabachnick
Great customer service!
While I haven't submitted a claim yet, the signup process was simple and when my credit card on file was compromised (elsewhere) the day of my monthly payment, PHI called to check in and ensured I had no problem changing to a new card, once it arrived, without losing coverage. I hope to never make a claim, but if I need to, I am confident the care and attention to detail from their support team will make it a seamless experience while allowing my family to focus on what's most important in that moment - the health of our pets.
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.