Furkin vs PHI Direct pet insurance
Their main accident & illness plans side by side, from each insurer's own documents (reviewed 2026-05-19).
Side by side
| Feature | Furkin | PHI Direct |
|---|---|---|
| Plan | Furkin Plan | Direct 5 |
| Price level | $$ Mid-range | $ Budget |
| Reimbursement | 80% | 80% |
| Annual limit (max) | $20,000 | $5,000 |
| Deductible | Annual | Annual |
| Exam fees | Covered | Covered |
| Dental | Accidents only | Accidents only |
| Pays vet directly | No | No |
Show all rows
| Feature | Furkin | PHI Direct |
|---|---|---|
| Alternative therapy | Included | Included |
| Accident wait | 2 days | 2 days |
| Illness wait | 14 days | 14 days |
| Orthopedic wait | 6 mo | 2 mo |
| Wellness option | No | No |
| Multi-pet discount | 5% | 5% |
| Enrollment age | New policies up to age 14. | New policies up to age 14. |
| Availability | Not sold in Nunavut, Quebec. | Not sold in Nunavut, Quebec. |