PHI Direct is designed to put affordable pet health insurance in your hands. Our 'Time-Limited Coverage' approach will help keep your monthly premiums low.
What is Covered?
PHI Direct covers up to 80% of new and unexpected veterinary treatments due to accidents or illness. That’s good coverage that can help you stay afloat if your pet becomes ill or gets injured this year.
Urgent Care is why you need insurance most
With PHI Direct, you’re only buying a year’s worth of coverage with enough of a payout to get you through a typical pet medical crisis. Check out some examples to learn more about how PHI Direct policies work.
Two ways to GO DIRECT
Coverage with lower than average premiums
PHI Direct premiums are, on average, 45.8% less for dogs and 37.7% less for cats, compared to other insured Canadian pets.†
*Lowest prices may vary based upon where the pet lives and other factors. †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