Understanding what is not eligible for coverage is as important as knowing what is covered. Like most 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. Check out some examples of how our 'Time Limited Coverage' works.
PHI Direct's premiums are, on average
So, you can pop inflation.
*Source: 2021 North American Pet Health Insurance Association (NAPHIA) Industry Data Report, Section 3: Average Premiums (Canada) / PHI Direct's average premium for cats is $19.17/ month compared to the industry average of $30.76. PHI Direct's average premium for dogs is $37.64/ month compared to the industry average of $63.95
Anesthesia and Surgery
Coverage while Traveling
Dental Tooth Fracture
Imaging - CT scans, MRI, and X-Rays
Referral Specialist Fees
What's not covered?
Because our costs aren't inflated, we can bring the protection of pet insurance to many more cats and dogs.
97% of Canadian cats and dogs do not have the protection of a pet insurance policy. This leaves many pets open to financial uncertainty. In the worst scenarios, it can mean that treatment is not affordable - right at the moment when it's needed most. Pet insurance can be a powerful tool for pets, pet owners and veterinarians, who all want the best thing for the pet. Even if you don't buy a PHI Direct policy, please know that we are very strong advocates for pet insurance, broadly. Even if it's through one of our competitors.