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About Us
PHI Direct is a new, low cost pet health insurance brand.
PHI Direct is designed to meet today's pet owners' needs, by providing low cost accident and illness coverage for their highly-valued pets. Many pet owners realize the importance of having pet insurance, but could not afford the premiums - until now!
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Backed by decades of experience and a solid financial footing
PHI Direct is a truly unique pet insurance product that 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, PHI Direct is led by Randy Valpy, veteran pet insurance executive, working in concert with experts at Canada Pet Health Insurance Services, Inc.
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.*
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We do this through our unique 'Time-Limited' 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.

*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.
Underwriters
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”).
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