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   * Why PHI Direct?
   * How Pet Insurance Works
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   * New-condition Coverage
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Get a Quote
Get a Quote


SAY HELLO TO LOWER PREMIUMS WITH
PHI DIRECT.


No inflated prices. Just high value pet insurance.
That won't leave your finances bent out of shape.
Get a quote Why PHI Direct

Official pet insurance partner of Humane Canada
The national voice for animal welfare
What's covered?
Your PHI Direct pet insurance coverage includes, but is not limited to, the
following professional veterinary services:

Accident Coverage
Alternative Therapies
Anesthesia and Surgery
Behavioural Therapy
Coverage while Traveling
Dental Tooth Fracture
Diagnostics
Emergency Care
Exam Fees
Hospitalizations
Illness Coverage
Imaging - CT scans, MRI, and X-Rays
Medical Devices
Medical Procedures
Prescription Medications
Referral Specialist Fees
Parasites
Surgeries
Get a quote
Plus, with PHI Direct, you get 24/7 access to Telehealth phone care. Telehealth
veterinary nurses are available 24 hours a day, 7 days a week to discuss your
pet health concerns.
What's not covered?

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 'New-Condition Coverage', any condition
experienced in one policy year will be considered pre-existing in future policy
years, including any associated or bilateral conditions. Check out some examples
of how our 'New-Condition Coverage' works.

We love informed decisions! Check out our Policy At-a-Glance to learn more about
our coverage.

PHI Direct's premiums are, on average

So, you can pop inflation.
*Source: 2021 North American Pet Health Insurance Association (NAPHIA) Industry
Data Report, Section 3: Average Premiums (Canada) / PHI Direct's average premium
for cats is $19.17/ month compared to the industry average of $30.76. PHI
Direct's average premium for dogs is $37.64/ month compared to the industry
average of $63.95
Why PHI Direct?
99% of all eligible claims reimbursements are $10,000 or less*

Stop your premiums from sky-rocketing with new condition coverage

*Based upon 2 years of actual claims processed

 

Learn about our plans
PHI Direct is helping to protect more Canadian pets than ever before.
Because our costs aren't inflated, we can bring the protection of pet insurance
to many more cats and dogs.
97% of cats and dogs in Canada do not have the protection of a pet insurance
policy. This leaves many pets open to financial uncertainty. In the worst
scenarios, it can mean that veterinary care is not affordable - right when it's
needed most. Pet insurance cover can be a powerful tool for pets, pet owners and
veterinarians, who all want the best thing for the pet. Even if you don't buy a
PHI Direct policy, please know that we are very strong advocates for dog
insurance and cat insurance, broadly. Even if it's through one of our
competitors.



Get a quote
See why people choose us
Reviews by real PHI Direct members
Rebecca
Ottawa, Ontario
Such a painless process. The stress of taking my kitty to the emergency vet was
enough and PHI gave me peace of mind and made the claims process so easy. Rosco
and his mum and dad thank you!!!

Samantha
Orleans, Ontario
My claim was quick and easy to process and really made the difference after an
emergency vet visit!

Eric
Scarborough, Ontario
The claims process 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.

Roseann
Bradford, Ontario
I am very impressed with the efficiency and speed in which PHI processes and
pays claims. Unfortunately, we had to take our beautiful Kodi, a 2-year-old
Australian Shepherd for a visit to the vet. I am so happy that we decided to go
with PHI insurance. We have peace of mind because of this excellent pet
insurance.

Ronna
Port Franks, Ontario
Excellent Customer Service! The agent was kind, thorough and caring during the
conversation.

Maria
Edmonton, Alberta
The service is excellent. I always get emails from PHI Direct for updates on my
claim. I am very satisfied with my pet insurance that I recommended it to my
friend. Further, my friend got her pet's insurance as well and she is very
happy.

Still have questions?
Read our FAQ EMAIL OUR TEAM
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© 2024 All rights reserved. PHI Direct pet insurance products are underwritten
by Accelerant Insurance Company of Canada and are sold and distributed by Canada
Pet Health Insurance Services, Inc., dba PHI Direct. PHI Direct is available in
all provinces and territories except Quebec. PHI Direct, the PHI Direct Design,
"Fluff-free Pet Health Insurance" and related words and slogans are trademarks
used under license.

*Coverage subject to terms and conditions, applicable waiting periods,
deductions and co-insurance, policy limits and exclusions. Always refer to your
insurance policy for information about your coverage. Pre-existing conditions
that occur prior to the expiry of the applicable policy waiting periods are
excluded from coverage.

In case of discrepancy, the insurance contract prevails over general information
available on this site. Any policy related changes made on this site will not be
effective until you receive confirmation. Individual circumstances may vary. You
may wish to contact one of our licensed insurance advisors if you need advice
about your insurance needs.

Telehealth Support is offered through Vetsdirect Limited.