PHI Direct
4.5

out of 5

PHI Direct Pet Insurance for Dog & Cat

PHI Direct is quality pet insurance for Canada’s cats and dogs that is truly affordable. By offering new condition coverage, PHI Direct can help protect pets when they typically need it most, when a condition first emerges. This approach means that PHI Direct can bring pet insurance to Canadians for as much as 35% less than other pet insurers.
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PHI Direct Pet Insurance Details

    • More: PHI Direct Pet Insurance Reviews

      Why Our Users Picked It:

      Users appreciate the quick and easy claims process. Many mentioned the great customer service and online support.

      Pros & Cons:

      Plan Limits

      • Per Condition Limit
      • Lifetime Limit
      • Deductible Type Annual
      • Direct Pay

      What is Covered?

      • Accident and Injury
      • Hospitalization
      • Rehabilitation
      • Continual Care
      • Emergency Visits
      • Surgery
      • Dental Trauma
      • Foreign Object Ingestion
      • Congenital or Hereditary Conditions
      • Cancer Treatments
      • Dietary Supplements
      • End of Life: Burial and Cremation
      • Illness
      • Specialists
      • Prosthetics
      • End of Life: Euthanasia
      • Prescription Drugs
      • Outpatient Care
      • Bilateral Conditions
      • Travel Coverage
      • Vet Exam Fees
      • Medical Imaging
      • Organ Transplants
      • Wellness Cover
      • Lab Tests
      • Behavioral Treatments

    Most popular State insured by PHI Direct Pet Insurance

    Here are the top 5 State covered by PHI Direct insurance.

    STATE / PROVINCE % of user
    Ontario 67.50 %
    British Columbia 15.00 %
    Quebec 7.50 %
    Alberta 7.50 %
    Nova Scotia 2.50 %
    Data source date 60 days, based on user selected percentage
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    Compare With Other Top Pet Insurance Providers 2025

    • Fetch Canada Pet Insurance
      Users like that they can obtain a policy that offers a 90% reimbursement rate. Some also mentioned Fetch’s friendly and helpful customer service.
    • Furkin Pet Insurance
      Some of the things users had to say about this company are “Exceptional customer service,” “Seamless sign up,” and “Best monthly price with lowest deductible.”
    • Trupanion Canada Pet Insurance
      Many users raved about Trupanion’s direct billing. They also will pay up to 90% of the bill, depending on the plan. Users also appreciate the excellent customer service.
    • Spot Canada Pet Insurance
      Many users raved about how easy it is to get a quote from Spot. Quite a few people also mentioned friendly customer service and quick reimbursement payments.
    • Pets Plus Us Pet Insurance
      Awesome customer service and prompt payments are just a couple of the reasons users are happy with this provider.

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    PHI Direct Pet Insurance FAQ?

    • How long does it take PHI to reimburse a claim?

      According to their website, the typical turnaround time for claims is 15 days. More complex claims may take additional time.

    • Will my insurance be denied when my pet gets to a certain age?

      No, as long as pets are enrolled before turning 14, your policy will never be dropped.

    • If I submit a lot of claims will my premiums go up?

      No, unlike other pet insurance companies, PHI pet insurance does not penalize pet parents for submitting “too many” claims or large claim amounts.

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