pet for less
with PHI Direct
- PHI Direct is pet insurance that’s over 35% less than the competition.*
- We cover up to 80% of vet bills with $5,000 or $10,000 of coverage.
- Use any licensed veterinarian in Canada or US.
- 24/7 Telehealth services included, as standard.
Understanding what is not eligible for coverage is as important as knowing what is covered. Like most insurance policies, PHI Direct does not cover pre-existing conditions. With 'Time-Limited 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 'Time Limited Coverage' works.
Tell us a little about you and your pet.
Choose either $5,000 or $10,000 of coverage for your pet
Submit your eligible veterinary bills and we pay our portion back quickly.