Affordable coverage for when the
'just in case' is just enough
So you can stop paying big dollars to other pet insurers for bloated coverage.
With average monthly prices for PHI Direct members around $25 for cats and $40 for dogs*
*Prices may vary based on breed, age and location.
The old way
Pets make claims that increase premiums for everyone.
The PHI Direct way
Pets make claims and the new policy year gives a fresh slate for everyone; so premiums stay low.
Most pet insurance plans penalize the many because of the few. With PHI Direct's new-condition coverage, your monthly premium stays lower over the lifetime of your pet because you don't pay for other pets' long-term conditions.
Say goodbye to the unfair pricing practices of other providers, and say hello to consistently lower premiums with PHI Direct.
Is PHI Direct right for you?
Do you want the following? Then PHI Direct is for you!
NOT paying a higher monthly premium to pay for other people's pets' long-term issues
NO extra bells and whistles that other insurers add to increase your premium
Prices that DO NOT skyrocket each year
NO confusing deductibles
Low-Cost Premiums
Our premiums start lower than $25/month for cats and $40/month for dogs*. That’s cheaper than buying your favourite iced coffee every day.
High-Value Payouts
We put more dollars towards paying invoices and claims to the PHI Direct pack of furry companions.
Faster Coverage
With PHI Direct, your deductibles are low, which means we start paying your eligible vet bills sooner!
Complete Care
Our plans cover a significant amount of new conditions (including breed-specific conditions), plus things like sick visit exam fees and coverage while traveling.
Learn more about how our new-condition coverage works
*Prices may vary based on breed, age and location.
The average pet will need veterinary treatment 21 times for accidents and illnesses in their lifetime
How are you financially preparing for your pet’s unexpected health needs?
PHI Direct might be a purr-fect choice for you, if:
- You’re on a tight budget and you want coverage for the just in case
- Your pet already has been diagnosed with a pre-existing condition, but you want coverage for ‘just in case’ any new accident or illness might happen to them
- Your old insurer’s prices got too expensive, but you want protection just in case something new pops up
PHI Direct isn’t for everyone. We hope to provide pet guardians with options when it comes to their pet’s well-being. PHI Direct might not be the right fit for you, if you’re concerned about ongoing illnesses.
Check out our Sample Policy to learn more about What's Covered and What's Not.