5
out of 5
POSTED: | BY: Brian
Fast claims payment
Fast Response and even faster claim payment.
4.8
out of 5
Number of reviews 25
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.
5
out of 5
POSTED: | BY: Keiran
Kind.
Kind and straight to the point
5
out of 5
POSTED: | BY: Simon
Easy claims
Honestly Phi makes my claims easy!! I so appreciate them making vet visits less harrowing!
5
out of 5
POSTED: | BY: Felicia
Good
Accomodating
5
out of 5
POSTED: | BY: Shelley
Hso helpful and at a stressful time
Thank you for your assistance at a stressful time
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.