PHI Direct | Pet Insurance Review

9.4

out of 10

7 Verified Reviews

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 8.0
  • 9.4
  • 9.4
  • Count
  • 1
  • 7
  • 7
 PHI Direct is Canada’s first Fluff-free Pet Health Insurance™. It’s good basic coverage for your pet – without being weighed down by costly premiums. PHI Direct’s policies are, on average, 45% less for dogs and 37% less for cats, compared to other insured Canadian pets. It’s Canada’s first Fluff-free Pet Health Insurance™. You get good basic coverage for your pet – without being weighed down by costly premiums.  
8

out of 10

POSTED: | BY: Maurice Levy

Owner

Easy to talk to some one and guide me through the plan
10

out of 10

POSTED: | BY: Lilia Carone

Very fast and easy to get money back

Being that I had never heard of this company before, I was a little skeptical, but I am impressed by how fast and easy it was to both submit a claim and get money back. A very friendly customer service agent reached out to me right away, as there was some info missing from my claim, and I received money back within a few days. A breath of fresh air, especially compared with my old insurance provider. Definitely recommended.
10

out of 10

POSTED: | BY: Matthew Beatty

Super easy and fast

I had a claim for vomiting for Sebastian (my cat) that PHI Direct paid quickly and easily. I called them to submit my claim and provide all the details they needed. The person I spoke to helped me to understand the process and the claim was paid a few days later. I would recommend PHI Direct to other pet owners in Canada.
10

out of 10

POSTED: | BY: Sarah J

Extremely professional, fair, and transparent insurance company.

I was one of PHI Direct's early customers and I took a chance on them when my previous provider closed up shop. Since the very start, I have found their sign up and fees to be very reasonable and easy to understand. I appreciate the level of professionalism in the documents they send and in their customer service communication. There are no surprises since everything is laid out clearly in the paperwork. Making a claim was super easy, and they answered any and every question I had very transparently. I am very happy with this company and hope to be with them for as long as I have my cats!
9

out of 10

POSTED: | BY: Chris Draga

Insurance performance evaluation

Good customer service so far.

Monthly Cost

As low as $10.19 per month for cats and $15.20 per month for Dogs

Coverage

PHI Direct will cover:

Alternative Therapies

Anesthesia & Surgery

Applicable Taxes

Behavioural Therapy

Dental Tooth Fracture

Diagnostics

Emergency Care

Euthanasia

Exam Fees

Hospitalization

Imaging – CT Scans, MRI and X-Rays

Medical Devices

Medical Procedures

Prescription Medications

Referral and Specialist Fees

Parasites

Payout Limits

Direct 5 – $5,000 Annual Benefits/Policy Limit

Direct 10 – $10,000 Annual Benefits/Policy Limit

Your Co-Insurance Share 20%

We Reimbursement 80%

Deductible

$200 Annual Deductible

Age Limits

7 Weeks

Must be enrolled prior to the pets 14th Birthday, coverage will continue for as long as the pet remains enrolled

Waiting Period

For Accidents – 48 Hours

For Illnesses – 14 Days

For Cruciate Ligament Conditions – 60 Days

Exclusions

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. For a full list of what is not covered please see the PHI Direct Policy

PHI Direct is Canada’s first Fluff-free Pet Health Insurance™. It’s good basic coverage for your pet – without being weighed down by costly premiums.   PHI Direct’s policies are, on average, 45% less for dogs and 37% less for cats, compared to other insured Canadian pets. It’s Canada’s first Fluff-free Pet Health Insurance™. You get good basic coverage for your pet – without being weighed down by costly premiums.   Urgent Care is why you need insurance most. So why overpay for long-term coverage that protects you for every possible outcome? With PHI Direct, each year you’re buying a year’s worth of pet health insurance coverage with enough of a payout to get you through a typical pet medical crisis.   Designed to put affordable pet health insurance in your hands, PHI Direct’s ‘Time-Limited Coverage’ approach offers reimbursement benefits that are enough to address the vast majority of incidents that impact most pets: Direct 5 (up to $5,000/year in annual benefits) and Direct 10 (up to $10,000/year in annual benefits). Both plans give you plenty of coverage with very affordable premiums. Breathe easier knowing that up to 80% of costly, new and unexpected veterinary treatments will be covered.   The PHI Direct ‘Time-Limited Coverage’ approach will help insure more Canadian pets. Explore whether a PHI Direct pet health insurance policy is right for you and your pet.

Get a quote today

Leave a review