PHI Direct Plans
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.
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.
*Telehealth Support is offered through Vetsdirect Limited.