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Baloon Dog and Cat

Canada's first Fluff-free Pet Health Insurance

With PHI Direct, you get good basic coverage for your pet – without being weighed down by costly premiums.

 

The PHI Direct Approach

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.

Video - Learn more about PHI Direct

Enough coverage for most accidents or illnesses

With PHI Direct, you’re only buying a year’s worth of pet health insurance coverage with enough of a payout to get you through a typical pet medical crisis. It’s basic coverage, that won’t leave you busted.

Urgent Care is why you need insurance most

Why pay for long-term coverage that protects you for every possible outcome? PHI Direct is coverage that can help you stay afloat if your pet becomes ill or gets injured this year. Breathe easier knowing that up to 80% of costly, new and unexpected veterinary treatment will be covered.

Two ways to GO DIRECT

Our Direct 5 and Direct 10 Plans give you plenty of coverage at a truly reasonable price.

Direct 5

$5,000

Annual Benefits / Policy Limit
$200 deductible / 80% reimbursement

As low as $10.19/month cats
$15.20/month dogs*

Direct 10

$10,000

Annual Benefits / Policy Limit
$200 deductible / 80% reimbursement

As low as $11.42/month cats
$17.41/month dogs*

*Lowest prices may vary based upon where the pet lives and other factors.

Download our Policy

It’s a fluff-free common sense approach for pet owners that love their pets all the way up to the moon and the stars.

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Balloon moon and stars

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