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PHI Direct Plans

PHI Direct covers 80% of eligible veterinary treatments costs due to new accidents or illnesses up to your annual policy limit. That's quality pet insurance coverage that can help you stay afloat if your pet becomes ill or gets injured in your policy year.
Official pet insurance partner of Humane Canada
The national voice for animal welfare
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Peace of mind
Quality coverage for new and unexpected accidents and illness.
Pet insurance can be confusing. We’ve made things simpler with two great plans and one low deductible.
Broad coverage
Taxes, exam fees, prescription meds, breed-specific conditions all included.
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Low deductible
Our low $200 deductible means we start paying out sooner.
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.  

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

What's covered?
Your PHI Direct coverage includes, but is not limited to, the following professional veterinary services:
Alternative Therapies
Anesthesia and Surgery
Behavioural Therapy
Coverage while Traveling
Dental Tooth Fracture
Emergency Care
Exam Fees
Illnesses (New)
Imaging - CT scans, MRI, and X-Rays
Medical Devices
Medical Procedures
Prescription Medications
Referral Specialist Fees
Plus, with PHI Direct, you get 24/7 access to Telehealth phone care. Telehealth veterinary nurses are available 24 hours a day, 7 days a week to discuss your pet health concerns.
What's not covered?

Understanding what is not eligible for coverage is as important as knowing what is covered. Like most pet insurance policies in Canada, PHI Direct does not cover pre-existing conditions. With 'New-Condition Coverage', any condition experienced in one policy year will be considered pre-existing in future policy years, including any associated or bilateral conditions. Check out some examples of how our 'New-Condition Coverage' works.

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Plus Telehealth Support*
24/7 access to pet health phone care

Does my pet need emergency care? Should I see a vet about this issue? Is it normal for my pet to act this way?

Direct support to you is just a phone call away. Telehealth veterinary nurses are available 24 hours a day, 7 days a week to discuss your pet health concerns.

After a thorough discussion of your pet’s clinical signs with Telehealth Support, you will be in a far better position to decide when veterinary treatment is necessary and within what time frame.

Download the PHI Direct Policy or check out our Policy At-a-Glance for more on how it works, what is covered and what is excluded.

*Telehealth Support is offered through Vetsdirect Limited.

Two ways to GO DIRECT
You have two great coverage options to help with the veterinary costs of treating a typical accident or new illness.
 Annual Benefits
 $200 deductible
 Policy Limit
 80% Reimbursement
As low as $10.19/month cats
As low as $15.20/month dogs
 Annual Benefits
 $200 deductible
 Policy Limit
 80% Reimbursement
As low as $11.42/month cats
As low as $17.41/month dogs
*Lowest prices may vary based upon where the pet lives and other factors.
How much can you save with PHI Direct?
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.†
†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.
Still have questions?