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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.
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What's covered?
Your PHI Direct coverage includes, but is not limited to, the following professional veterinary services*:
Accidents
Alternative Therapies
Anesthiesia and Surgery
Behavioural Therapy
Coverage while Traveling
Dental Tooth Fracture
Diagnostics
Emergency Care
Exam Fees
Hospitalizations
Illnesses (New)
Imaging - CT scans, MRI, and X-Rays
Medical Devices
Medical Procedures
Prescription Medications
Referral Specialist Fees
Parasites
Surgeries
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 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.

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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 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 Plans
You will have plenty of coverage to address the veterinary costs required to treat a typical accident or new illness.
Direct5
 
$5,000
 Annual Benefits
 $200 deductible
 Policy Limit
 80% Reimbursement
As low as $10.19/month cats
As low as $15.20/month dogs
Direct10
 
$10,000
 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.
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