PHI Direct Brings “Fluff-Free” Pet Insurance Direct To Canada’s Dogs & Cats


When you adopt a dog, you know part of responsible pet parenting is taking your pup to the veterinarian for yearly checkups. You also understand minor illnesses and injuries can happen too. But nobody wants to think about a medical disaster. No one wants to believe something major can devastate their family, but sadly, the unexpected can happen to anyone at any time. And when the medical disaster proves to be a significant emergency with your dog, the bills can pile up fast, leaving you in financial hardship. But when you have a quality pet insurance plan in place before emergency strikes, you can curtail the high medical costs of getting your pup back on their cute little paws without fretting over money. For pet parents in Canada, PHI Direct offers this peace of mind with two “fluff-free” insurance plans that cover both dogs and cats.

About PHI Direct, Canada’s First Fluff-Free Pet Health Insurance

PHI Direct understands that many pet owners realize the value of having pet health insurance but can’t afford the premiums. With their direct low-cost accident and illness coverage of pets, PHI Direct gives more families a chance to get ahead financially and further protect their furry loved ones. With their ‘Time-Limited Coverage’ plans, you can be sure your dog has plenty of coverage at a reasonable rate. Plus, you don’t have to wade through endless and confusing options as PHI Direct offers two ways to go direct with their Direct 5 and Direct 10 plans.

The Direct 5 plan offers coverage up to $5,000, while the Direct 10 will supply up to $10,000 in medical coverage. It’s that simple! Plus, these fluff-free plans are affordably priced. Some customers have found premiums as low as $10.19 per month for cats and $15.20 per month for dogs when purchasing the Direct 5 option. With the Direct 10 option, some paw parents pay rates as low as $11.42 a month for cats and  $17.41 per month for dogs.

These prices are based on pet location and specifics, but you can bet PHI Direct brings you the most affordable prices in the Canadian pet insurance market. According to an industry report by the North American Pet Health Insurance Association (NAPHIA), PHI Direct premiums average 45.8% less for dogs and 37.7% less for cats compared to other Canadian pets covered by health insurance plans.

With PHI Direct, you’re buying insurance direct and with a fluff-free approach that lets you buy a year’s worth of coverage with enough payout to get you through a typical canine medical crisis. Now, let’s take a look at what it means to purchase a PHI Direct policy!

‘Time-Limited Coverage’ Explained

PHI Direct’s fluff-free approach was designed to put affordable pet health insurance in your hands. Their ‘Time-Limited Coverage’ approach aims to keep your monthly premiums low so you can keep your furry best friend covered year after year. It’s a simple and affordable approach to premium health care coverage for your dog.

When you purchase one of PHI Direct’s ‘Time-Limited Coverage’ plans, your pet will be covered in the face of accidents or any illnesses that aren’t considered a pre-existing condition. This coverage lasts for up to one year. When that period of up to a year has expired, coverage for any accidents or new illnesses claimed during the policy year is no longer available. However, you’ll continue to have coverage against any future accidents or new illnesses in future policy years.

Here’s an example of how ‘Time-Limited Coverage’ worked for Fozzie the dog’s bone cancer:

  • Policy Term: June 1 to May 31
  • Type of Claim: Illness
  • Condition: Fozzie was diagnosed with bone cancer (osteogenic sarcoma) on April 30.
  • Coverage: The Policy would cover claims for treatment costs from April 30 to May 31, i.e., the policy would cover radiation treatments for one month. The policy would cover any eligible claims for treatment costs related to this bone cancer from April 30 until May 31, at which time a new policy year would begin.
  • Upon Policy Renewal: The bone cancer would become a pre-existing condition, and no more coverage would be provided. All other cancers unrelated to this cancer would still be eligible.

What Phi Direct Covers

PHI Direct covers up to eighty percent of new and unexpected veterinary treatments due to accidents or illness. Coverage includes, but is not limited to, the following veterinary services:

  • Accidents
  • Alternative Therapies
  • Anesthesia and Surgery
  • Behavioural Therapy
  • Coverage while Travelling
  • Dental Tooth Fracture
  • Diagnostics
  • Emergency Care
  • Exam Fees
  • Euthanasia (when performed as a result of eligible conditions)
  • Hospitalization
  • Illnesses (New)
  • Imaging – CT scans, MRI and X-Rays
  • Medical Devices
  • Medical Procedures
  • Prescriptions Medications
  • Referral and Specialist Fees
  • Parasites
  • Surgeries

What PHI Direct Doesn’t Cover

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.

To see a full explanation of the issues not covered by PHI Direct, have a look at their Policy Manual for in-depth information.

PhiDirect Coverage Options & What These Plans Include

With two options for coverage, PHI Direct’s Direct 5 and Direct 10 Plans give you plenty of coverage at reasonable prices. Take a look at this breakdown of their policy details and find out how easy it is to save on vet bills with PHI Direct.

Benefit Maximums

Depending on whether you choose their Direct 5 or Direct 10 option, your policy will carry annual benefit maximums of either $5,000 or $10,000. If you’re worried these amounts aren’t enough, set those concerns aside! PHI Direct reports that ninety-nine percent of all eligible claims are $10,000 or less.

Your Financial Share

Thanks to their no-fluff approach, both PHI Direct’s plans offer up to 80% coverage on all services included in your policy. This leaves your share of bills at only twenty percent when dealing with covered injuries and illnesses. And you can typically expect reimbursements within 15 business days.

Annual Deductible

All plans offer a one-time annual deductible of $200. But once you’ve paid the deductible in full for the year, you won’t have to pay any further deductibles for the remainder of the policy year. If you make no claims within your policy year, you’ll pay no deductible costs.

24/7 Telehealth Support

Direct support is just a phone call away! Telehealth Support veterinary nurses are available 24 hours a day, seven days a week, to discuss your pet’s health concerns. After a thorough discussion of your pet’s clinical signs with Telehealth Support, you’ll feel better positioned to decide if veterinary treatment is necessary.

Waiting Periods

With pet insurance, there are several waiting periods in place that dictate when coverage becomes available after your policy becomes effective. PHI Direct’s waiting periods are:

  • For Accidents – 48 hours
  • For illness – 14 days
  • For Cruciate Ligament Conditions – 60 days

Additional Costs

Due to the up-front costs associated with processing policies, PHI Direct charges a one-time enrollment fee per pet at the time of enrollment. Other than that, you won’t encounter any hidden fees. Part of their fluff-free approach is transparency you can trust.

Get a Quote From Phi Direct

As Canada’s first fluff-free pet health insurance, PHI Direct brings you low prices so you can avoid high vet bills. Get your quote today to find out how low your premiums will be!

And remember, when you become a customer with PHI Direct, you’ll have the full-blown support of their team via phone, chat, and email. PHI Direct is only available in Canada.