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Why Pet Guardians Choose PHI Direct

Designed to put affordable pet insurance in your hands
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
op2-peace of mind
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.
Broad coverage
Taxes, exam fees, prescription meds, breed-specific conditions all included.
op2-low deductable
Low deductible
Our low $200 deductible means we start paying out sooner.
How PHI Direct Works

Our plan gives you two annual coverage limits to help treat your pet for all new qualifying accidents and illnesses for up to a year – depending upon when within the policy year the condition occurred.

To continue to keep your monthly premiums affordable, coverage for any condition in a previous year is no longer available. However, each year your coverage renews for the hundreds of new potential mishaps and illnesses that can affect your pet throughout their lifetime.

Choose your $$$
You choose your preferred annual policy limit: $5,000 or $10,000 of pet health protection each year
Activate coverage 🎉
Cue the confetti, you’ve enrolled your pet!
Get paid back
After applicable Waiting Periods, get 80% reimbursement on eligible vet bills and a low $200 annual deductible
*You are reimbursed 80% of the eligible claim amount up to the limit of your coverage, less the $200 deductible (if applicable). Once your annual deductible is satisfied you won’t pay the deductible again for that year.

To learn how making a claim works, visit our Claims page.

We love informed decisions! Check out our Policy At-a-Glance to learn more about PHI Direct coverage.

Is PHI Direct right for you?

Coverage for when the ‘just in case’ is just enough

Most pet guardians and owners can budget for those smaller ongoing, and expected treatment costs (like prescriptions, annual check-ups, and vaccinations). PHI Direct is designed to help address the larger financial hits involved in diagnosing and treating new unexpected illnesses and accidents.


PHI Direct might be a purr-fect choice for you, if:

  • You’re on a tight budget and you want coverage for the just in case
  • Your pet already has been diagnosed with a pre-existing condition, but you want coverage for ‘just in case’ any new accident or illness might happen to them
  • Your old insurer’s prices got too expensive, but you want protection just in case something new pops up

PHI Direct isn’t for everyone. We hope to provide pet guardians with options when it comes to their pet’s well-being. PHI Direct might not be the right fit for you, if you’re concerned about ongoing illnesses.



Ultimately, our goal is for all pets to be protected, whether it’s with us or another pet insurance provider. 97% of cats and dogs in Canada do not have the protection of a pet insurance policy. Our goal is to bring affordable pet insurance to more Canadians than ever before. 

Check out our Sample Policy to learn more about What's Covered and What's Not.
See why people choose us
Reviews by real PHI Direct members
Rebecca-Review (1)
Ottawa, Ontario
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!!!
Samantha-Review (1)
Orleans, Ontario
My claim was quick and easy to process and really made the difference after an emergency vet visit!
Eric Review
Scarborough, Ontario
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.
Bradford, Ontario
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.
Edmonton, Alberta
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.
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.
How we compare with other Canadian pet insurance plans
  PHI Direct Fetch Pets Plus Us PetSecure Peppermint
Multi-pet Discount
Accident Waiting Period 48 Hours 15 Days 48 Hours 48 Hours 48 Hours
Illness Waiting Period 14 Days 15 Days 14 Days 14 Days 14 Days
One Low Annual Deductible
24/7 Telehealth
Not always or costs extra
We try to keep this information as up-to-date as possible.
This chart was last updated in February 2024.
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