PHI Direct | Pet Insurance Review


out of 5

Number of reviews 25

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Updated: November 13, 2023

PHI Direct is truly affordable pet insurance for Canada’s cats and dogs. PHI Direct’s policies are, on average, 45% less for dogs and 37% less for cats than other Canadian providers. They provide up to $10,000 of coverage per year, telehealth coverage is included as-standard and they have a low $200 deductible – so your vet bills are covered sooner.

out of 5

POSTED: | BY: Kelly

Helpful team

Had a great experience! I had fraud on my bank account with another bank and my payment as a result didn't go through I called and took 2 min to fix everything! Amazing !

out of 5

POSTED: | BY: Milan

Finally a helpful insurance company

Mallory was knowledgeable and really helpful. Answered all questions and helped to fully understand the coverage. Will be switching from my recent provider to your company.

out of 5

POSTED: | BY: Eric

Good online support

The claims 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.

out of 5

POSTED: | BY: Raymond

Quick claims

Claim process is quite simple and was pretty quick. It went to my account in a few days. No hassle. I was skeptical first but now I'm completely relaxed because it's genuine. Thank you. I would hesitate to recommend to other pretty owners and share my positive experience.

out of 5

POSTED: | BY: Bernice

Good expeirence

It was very good and the funds were deposited right away.

Monthly Cost

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


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%


$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


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.

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