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PHI Direct Plans

PHI Direct covers up to 80% of eligible new and unexpected veterinary treatments due to accidents or new illnesses up to your annual policy limit. That's good coverage that can help you stay afloat if your pet becomes ill or gets injured this year.


Coverage for Veterinary Services

Your PHI Direct coverage includes, but is not limited to, the following professional veterinary services*:

  • Accidents
  • Alternative Therapies
  • Anesthesia and Surgery
  • Behavioural Therapy
  • Coverage while Travelling
  • Dental Tooth Fracture
  • Diagnostics
  • Emergency Care
  • Exam Fees
  • Hospitalization
  • Illnesses (New)
  • Imaging - CT scans, MRI and X-Rays
  • Medical Devices
  • Medical Procedures
  • Prescriptions Medications
  • Referral and Specialist Fees
  • Parasites
  • Surgeries

What's Not Covered

Understanding what is not eligible for coverage is as important as knowing what is covered. Like most pet 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 on how 'Time-Limited Coverage' works.

See the PHI Direct Policy for complete information on what is covered and what is not.

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 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 will have plenty of coverage to address the veterinary costs required to treat a typical accident or new illness.

Direct 5


Annual Benefits / Policy Limit
$200 deductible / 80% reimbursement

As low as $10.19/month cats
$15.20/month dogs*

Direct 10


Annual Benefits / Policy Limit
$200 deductible / 80% reimbursement

As low as $11.42/month cats
$17.41/month dogs*

*Lowest prices may vary based upon where the pet lives and other factors.

Balloon cat with playful kitten

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?

Read our F.A.Q. or Live Chat with our Care Team.