PHI Direct is a new type of pet insurance for all Canadian cats and dogs.
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"Very fast and easy to get money back. Being that I had never heard of this company before, I was a little skeptical, but I am impressed by how fast and easy it was to both submit a claim and get money back. A very friendly customer service agent reached out to me right away, as there was some info missing from my claim, and I received money back within a few days. A breath of fresh air, especially compared with my old insurance provider. Definitely recommended."
-Lilia C.
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"Very fast and easy to get money back. Being that I had never heard of this company before, I was a little skeptical, but I am impressed by how fast and easy it was to both submit a claim and get money back. A very friendly customer service agent reached out to me right away, as there was some info missing from my claim, and I received money back within a few days. A breath of fresh air, especially compared with my old insurance provider. Definitely recommended."
-Lilia C.
Save More with Our Multi-pet Discount
Our 5% multi-pet discount means that larger pet families can still enjoy quality pet protection without over-inflating their household budget.
False! Pet insurance premiums will depend on a number of factors, from the age and breed of your pet, to the type of annual policy limit or coverage offered. PHI Direct offers premiums that start lower than $20/month for cats and $30/month for dogs. It’s important to read the policy of any plan you’re considering to make sure it’s a right fit for you and your pet, or you can contact our Care Team to learn more about PHI Direct!
False! While most pet insurance providers don’t cover pre-existing conditions, you’re still covered for any of the new accidents or illnesses your pet may experience in their lifetime.
False! With PHI Direct, you can go to any licensed veterinarian in Canada - or even the United States! Your veterinarian doesn’t need to “accept” the insurance either! You visit your vet, submit your claim, and then get paid back the eligible amounts, less coinsurance and deductibles – it’s that easy.
False! Having a bank account may help in instances of less costly accidents or illnesses, however, it's hard for most people to save for some of the events that pet insurance helps to cover. Let's say a person sets aside $25 per month and in the pet's first year, it breaks its leg while playing fetch or taking a tumble. An accident like this could cost $2,000 but the owner will only have $300 saved up at that point and will need to find an extra $1,700 to pay the vet bills. When you buy pet insurance, you are transferring that unknown "risk" from yourself to the insurance company.