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Pet Insurance Protection. For Less
Designed to put affordable pet insurance in your hands so you can protect your furry friend without inflating your budget
PHI Direct's premiums are, on average
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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
What's covered?
Your PHI Direct coverage includes, but is not limited to, the following professional veterinary services*:
Accidents
Alternative Therapies
Anesthesia and Surgery
Behavioural Therapy
Coverage while Traveling
Dental Tooth Fracture
Diagnostics
Emergency Care
Exam Fees
Hospitalizations
Illnesses (New)
Imaging - CT scans, MRI, and X-Rays
Medical Devices
Medical Procedures
Prescription Medications
Referral Specialist Fees
Parasites
Surgeries
Plus, with PHI Direct, you get 24/7 access to Telehealth phone care. Telehealth veterinary nurses are available 24 hours a day, 7 days a week to discuss your pet health concerns.
What's not covered?

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.

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Protecting pets against injuries and illnesses in their future. Not their past.

And our time-limited annual coverage stops your costs from ballooning.

Coverage capped at $10,000 is enough annual protection for 99 pets out of 100*
And it stops your premiums from sky-rocketing
*Based upon 2 years of actual claims processed
PHI Direct is helping to protect more Canadian pets than ever before.
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.
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