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A new type of pet insurance for all cats and dogs. Not just some.

Two affordable plans with one low deductible.
High-value, low-cost protection for Canada's pets.
Official pet insurance partner of Humane Canada
The national voice for animal welfare
What's covered?
Your PHI Direct pet insurance coverage includes, but is not limited to, the following professional veterinary services:
Accident Coverage
Alternative Therapies
Anesthesia and Surgery
Behavioural Therapy
Coverage while Traveling
Dental Tooth Fracture
Diagnostics
Emergency Care
Exam Fees
Hospitalizations
Illness Coverage
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 pet insurance policies, PHI Direct does not cover pre-existing conditions. With 'New-Condition 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 'New-Condition Coverage' works.

We love informed decisions! Check out our Policy At-a-Glance to learn more about our coverage.

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
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 cats and dogs in Canada 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 veterinary care is not affordable - right when it's needed most. Pet insurance cover 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 dog insurance and cat insurance, broadly. Even if it's through one of our competitors.
See why people choose us
Reviews by real PHI Direct members
Rebecca-Review (1)
Rebecca
Ottawa, Ontario
Such a painless process. The stress of taking my kitty to the emergency vet was enough and PHI gave me peace of mind and made the claims process so easy. Rosco and his mum and dad thank you!!!
Samantha-Review (1)
Samantha
Orleans, Ontario
My claim was quick and easy to process and really made the difference after an emergency vet visit!
Eric Review
Eric
Scarborough, Ontario
The claims process was very easy and I didn’t wait to get the cheque. I was very pleased with the online service. I will highly recommend PHI Direct.
Roseann-Review
Roseann
Bradford, Ontario
I am very impressed with the efficiency and speed in which PHI processes and pays claims. Unfortunately, we had to take our beautiful Kodi, a 2-year-old Australian Shepherd for a visit to the vet. I am so happy that we decided to go with PHI insurance. We have peace of mind because of this excellent pet insurance.
Ronna-Review
Ronna
Port Franks, Ontario
Excellent Customer Service! The agent was kind, thorough and caring during the conversation.
Maria-Review
Maria
Edmonton, Alberta
The service is excellent. I always get emails from PHI Direct for updates on my claim. I am very satisfied with my pet insurance that I recommended it to my friend. Further, my friend got her pet's insurance as well and she is very happy.
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