Why Pet Guardians Choose PHI Direct
Designed to put affordable pet insurance in your hands
For the ‘just in case’
For the ‘just in case’
Our ‘New-Condition Coverage’ approach allows PHI Direct to provide protection with very reasonable premiums over the life of your pet. It also provides you with enough reimbursement benefits for the vast majority of incidents that impact most pets.
What you can expect with PHI Direct
Peace of mind
Quality coverage for new and unexpected accidents and illness.
Pet insurance can be confusing. Keep things simple with two great annual policy limits and one low deductible.
Taxes, exam fees, prescription meds, breed-specific conditions all included.
Our low $200 deductible means we start paying out sooner.
Such a painless process. The stress of taking my kitty to the emergency vet was enough and PHI gave me peace of mind and made the claims process so easy. Rosco and his mum and dad thank you!!!
My claim was quick and easy to process and really made the difference after an emergency vet visit!
The claims process was very easy and I didn’t wait to get the cheque. I was very pleased with the online service. I will highly recommend PHI Direct.
I am very impressed with the efficiency and speed in which PHI processes and pays claims. Unfortunately, we had to take our beautiful Kodi, a 2-year-old Australian Shepherd for a visit to the vet. I am so happy that we decided to go with PHI insurance. We have peace of mind because of this excellent pet insurance.
Port Franks, Ontario
Excellent Customer Service! The agent was kind, thorough and caring during the conversation.
The service is excellent. I always get emails from PHI Direct for updates on my claim. I am very satisfied with my pet insurance that I recommended it to my friend. Further, my friend got her pet's insurance as well and she is very happy.
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.