PHI Direct

out of 5

PHI Direct Pet Insurance for Dog & Cat

PHI Direct Pet Insurance offers accident and illness coverage for dogs and cats in Canada. They are a relatively new company, founded in 2021, but they are backed by Trupanion, one of the largest pet insurance companies in North America.

PHI Direct Pet Insurance Details

    • 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

      Plan Summary

    Most popular State insured by PHI Direct Pet Insurance

    Here are the top 10 State covered by PHI Direct insurance so you can get an idea of possible monthly premium costs.

    STATE / PROVINCE % of user selected
    Ontario $40.74
    Alberta $22.22
    British Columbia $19.75
    Quebec $4.94
    California $2.47
    New Brunswick $2.47
    Saskatchewan $1.23
    Massachusetts $1.23
    Georgia $1.23
    Nova Scotia $1.23
    Data source date 60 days, based on user selected percentage
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    Compare With Other Top Pet Insurance Providers

    • Users like that they can obtain a policy that offers a 90% reimbursement rate. Some also mentioned Fetch’s friendly and helpful customer service.
    • 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.
    • 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.”
    • 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.
    • Awesome customer service and prompt payments are just a couple of the reasons users are happy with this provider.

    Select up to 3 providers to compare

    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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