The PHI Direct Plan
PHI Direct covers 80% of eligible veterinary treatment costs due to new illnesses and accidents each year up to your annual policy limit. That's quality pet insurance coverage that can help you stay afloat 'just in case' your pet gets a new illness or injury in each policy year.
One Great Plan: Two Annual Policy Limits
$5,000 or $10,000 in annual coverage — your choice!
80% reimbursement on eligible expenses
Low $200 annual deductible — so we start paying out sooner
With PHI Direct, you have two great annual policy limit options to help with the veterinary costs of treating a typical accident or new illness.
Both coverage options, our $5,000 limit and our $10,000 limit, have a low annual deductible of $200 and an 80% reimbursement level, so that you can pick the right option for your needs.
The PHI Direct Advantage: New-Condition Coverage
Premiums that stay lower year after year
Most pet insurance plans’ premium prices are impacted by the claims made year-over-year by its members overall. This is why rates over time can increase astronomically!
But with PHI Direct, instead of paying for other pets' claims, each new policy year all conditions experienced in the prior policy year are considered pre-existing and everyone gets a fresh slate; so premiums stay low.
Say goodbye to the unfair pricing practices of other providers, and say hello to consistently lower premiums with PHI Direct.
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.
Multi-pet discount
Discount is automatically applied when you add another pet to your quote and enroll.
Waiting Periods
Pet insurance policies have Waiting Periods before your coverage goes into effect for accidents, illnesses, or other events. With PHI Direct, you can expect the following Waiting Periods:
Illnesses: 14 days
An illness is a sickness, disease and any changes to your pet’s normal healthy state.
Cruciate Ligament Conditions: 60 days
Cruciate ligament conditions is the over-stretching or tearing of the anterior cruciate ligament (ACL) in the knee.
Did you know?
The average pet will need veterinary treatment 21 times for accidents and illnesses in their lifetime.
See why people choose us
Reviews by real PHI Direct members
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