Skip to content

About Us

PHI Direct is Canada's low-cost + high-value pet insurance.
PHI Direct is designed to meet today's pet owners' needs, by providing low cost Canadian pet insurance coverage for their much-loved cats and dogs. Many pet owners know the importance of pet insurance, but could not afford the premiums - until now!
Backed by decades of insurance and veterinary experience
PHI Direct is founded on more than 20 years of pet health and pet insurance experience.
Launched in Canada on July 11, 2021 and created by an advanced team of veterinary, actuarial, brand and insurance marketing specialists.
Designed to be different
PHI Direct is designed to offer premiums that are, on average, 45.8% less for dogs and 37.7% less for cats, compared to other insured Canadian pets.*
FFD126-yellow-sitting cone

We do this through our unique 'New-Condition' Coverage, which covers up to the first 12 months of a new illness or injury. This is typically when there are higher costs due to the initial diagnosis and treatment of the illness or injury.

If the diagnosed illness or injury ends up being a chronic condition or requires further treatment in the policy year following when the condition was identified, we believe pet owners will be in a better position to budget for the ongoing care.

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

*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.
PHI Direct Pet Health Insurance is underwritten by Omega General Insurance Company “Omega” and is distributed by Canada Pet Health Insurance Services, Inc. Omega has been in business since 2004, and is a property and casualty insurance company that is regulated by the Canadian Government’s Office of the Superintendent of Financial Institutions (“OSFI”).
Get to know us!
Still have questions?