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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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© 2022 All rights reserved. PHI Direct Pet Health Insurance policies are underwritten by Omega General Insurance Company and are distributed by Canada Pet Health Insurance Services, Inc. PHI Direct is available in all provinces and territories, excluding Quebec. PHI Direct, the PHI Direct Design, “Fluff-free pet health insurance” and related words and slogans are trademarks owned by their respective trademark owners and used under license.

*Coverage subject to terms and conditions, applicable waiting periods, deductions and co-insurance, policy limits and exclusions. Always refer to your insurance policy for information about your coverage. Pre-existing conditions that occur prior to the expiry of the applicable policy waiting periods are excluded from coverage.

 Conditions once treated or identified in a given policy year are excluded from coverage in future policy years.

 In case of discrepancy, the insurance contract prevails over general information available on this site. Any policy related changes made on this site will not be effective until you receive confirmation. Individual circumstances may vary. You may wish to contact one of our licensed insurance advisors if you need advice about your insurance needs.

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