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'Time-Limited Coverage'

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. 

OUR APPROACH - VIDEO
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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.

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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

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*

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.

Download our Policy

*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

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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