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.
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.