Is PHI Direct pet insurance worth it? Review 2024

verified information


Information verified by  Alexandre Desoutter

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Discover the methodology
Sunny Yadav updated on 26 June 2023

Pet insurance is a vital safeguard for the well-being of our beloved pets. Still, a staggering 97% of Canadian cats and dogs remain uninsured, leaving them vulnerable to financial uncertainty. Recognising this need, PHI Direct pet insurance has emerged as a trusted provider in the Canadian market.

Committed to advocating for pet insurance, PHI Direct offers comprehensive coverage options for pets of all kinds, prioritising the health and happiness of your furry companions. In this review, we will delve into the key features, coverage details, pricing, and unique offerings of pet insurance from PHI Direct in Canada, so you can make a wise decision for your pets. Let's get started!

PHI Direct Pet Insurance: 5 Key Takeaways

  1. Offers pet insurance for all types of dogs and cats
  2. PHI Direct is the official pet insurance partner of Humane Canada
  3. PHI Direct's premiums are 45.8% less for dogs
  4. For cats, it's 37.7% less
  5. The company has no upper age limit for enrollment

Our 2024 review of PHI Direct pet insurance

PHI Direct pet insurance stands out as a reliable and comprehensive provider in the Canadian market. With a range of coverage options and a commitment to prioritising the well-being of pets, PHI Direct ensures that pet owners can provide the best possible care for their furry companions.

It offers customisable plans, straightforward claims procedures, and a wide network of trusted veterinarians, simplifying the insurance experience for pet owners in Canada.

Let's take a look at some pros and cons of PHI Direct's pet insurance to understand it better.

Pros of pet insurance from PHI Direct

  • Flexible coverage options
  • Comprehensive coverage for accidents, illnesses, and preventive care
  • No upper age limit for enrolment
  • Coverage for hereditary and congenital conditions
  • An extensive network of veterinarians across Canada

Cons of pet insurance from PHI Direct

  • No coverage for pre-existing conditions
  • Routine wellness care may not be included in base plans

Make sure to get clarity on how pre-existing conditions work by checking with your provider as they may vary from one pet insurance to another.

Overall, PHI Direct's pet insurance is a great choice since it provides coverage for dogs and cats, ensuring that pets of all kinds can benefit from their comprehensive plans.

Whether you have a playful Labrador Retriever, a curious Maine Coon, or any other breed, PHI Direct offers insurance options tailored to meet their specific needs.

You could also compare and get quotes from the best pet insurances using our easy and quick comparator tool below.

Compare the best pet insurance plans on the market!

Get a quote

What is PHI Direct pet insurance's coverage?

What does PHI Direct cover?

PHI Direct pet insurance covers a wide range of veterinary expenses, including: 

  • Accidents
  • Illnesses
  • Surgeries
  • Diagnostic tests
  • Medications
  • Hospitalisation

Their coverage also extends to hereditary and congenital conditions, ensuring that even pets with genetic predispositions receive the necessary care. What's more? PHI Direct offers preventive care coverage, including vaccinations and annual check-ups, to keep your pets healthy and protected.

Here's a table to illustrate who they insure:

Mixed Breeds
Senior Pets

(No age limits)
Purebred Pets
Rescued Pets
Working Dogs
Service Animals
Emotional Support
Pets insured by PHI Direct

What does PHI Direct not cover under its pet insurance?

While PHI Direct offers extensive coverage under its pet insurance, there are certain exclusions to keep in mind. These may include:

  • Pre-existing conditions
  • Cosmetic procedures
  • Breeding-related expenses
  • Experimental treatments

Review the policy details carefully to fully understand the coverage limitations.

Does PHI Direct offer any optional riders?

PHI Direct's pet insurance provides optional riders to enhance your coverage. These riders may include additional benefits like:

  • Dental coverage
  • Alternative therapies
  • Rehabilitation

By customising your policy with these riders, you can tailor the coverage to meet your pet's specific needs.

How much does PHI Direct pet insurance cost?

The cost of pet insurance from PHI Direct varies based on several factors, such as the age of the dog, breed, size, and location of your pet. To give you a general idea, here's an estimate of the monthly premiums for different dog breeds:

BreedMonthly premium (approx.)
Labrador Retriever
Golden Retriever
French Bulldog
German Shepherd
Monthly premiums for different dog breeds

You could compare the pricing, coverage, and more of the best pet insurance providers in Canada using the easy-to-use comparator tool.

Compare the best pet insurance plans on the market!

Get a quote

4 tips for saving money on PHI Direct's pet insurance

For cheaper pet insurance, follow our tips:

  1. Opt for a higher deductible to lower your monthly premiums
  2. Consider enrolling your pet when they are young to secure lower rates
  3. Explore multi-pet discounts if you have multiple pets to insure
  4. Review the policy regularly to ensure it aligns with your pet's changing needs

What is PHI Direct's waiting period?

PHI Direct pet insurance has a standard waiting period of 14 days for accidents and 30 days for illnesses.

During this time, your pet will not be eligible for coverage. It's important to enrol your pet as early as possible to ensure that they are protected when unexpected incidents occur.

Good to know

PHI Direct does not impose an upper age limit for pets for enrollment. Whether you have a young puppy or a senior pet, you can obtain coverage for your furry companion.

How does PHI Direct pet insurance differ from other providers?

PHI Direct distinguishes itself from other pet insurance providers through its comprehensive coverage, no upper age limit, and commitment to ensuring pets receive the care they need. In comparison to other reputable providers like Trupanion Pet Insurance and Healthy Paws, PHI Direct's unique offerings include the absence of network restrictions for veterinarians and a streamlined claims process.

FactorPHI DirectTrupanionHealthy Paws
No Upper Age Limit
Coverage for Hereditary and Congenital Conditions
No Network Restrictions
Streamlined Claims Process
PHI Direct vs Trupanion vs Healthy Paws

How to contact PHI Direct pet insurance?

To get information, a quote or purchase pet insurance from PHI Direct, visit their official website or: 

Good to know

For cancellation inquiries, it is recommended to reach out to PHI Direct directly to understand the process and any applicable terms and conditions.

Did you like this article?
Sunny Yadav Copywriter

Sunny has over six years of experience curating engaging content spanning across industries. Specifically in finance, his expertise is insurance reviews and lending and investment topics.