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: 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.

out of 5

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!

out of 5

POSTED: | BY: Chris Draga

Insurance performance evaluation

Good customer service so far.

out of 5

POSTED: | BY: Andrea LeBlanc

With just a few clicks, you get simple, easy to understand pet insurance when you need it, and at a low monthly premium.

The online sign-up process took just a few moments and they even accept PayPal and Apple Pay for added convenience and security. Their easy-to understand explainers with examples make it very clear how coverage works, so there are no surprises. If you're looking for basic coverage for your pet, look no further. PHI Direct are what they say they are: Fluff-free.

out of 5

POSTED: | BY: Scott Tabachnick

Great customer service!

While I haven't submitted a claim yet, the signup process was simple and when my credit card on file was compromised (elsewhere) the day of my monthly payment, PHI called to check in and ensured I had no problem changing to a new card, once it arrived, without losing coverage. I hope to never make a claim, but if I need to, I am confident the care and attention to detail from their support team will make it a seamless experience while allowing my family to focus on what's most important in that moment - the health of our pets.

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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