PHI Direct pet insurance in Canada

2 plans. Facts checked against PHI Direct's own policy documents and website (reviewed 2026-05-19). We're independent and earn no commission.

A good fit if

PHI Direct

Budget accident & new-illness plan with a $5,000 annual limit.

$ BudgetAccident & illness

Sample monthly cost

from ~$25 (cat) / ~$40 (dog) — Marketing 'starting' priceProvider marketing floor; specific pet profile not stated.

Deductible: Flat $200 annual deductible.
Annual limit: $5,000 per policy year.
Dental: Only covers a previously healthy adult tooth fractured by a traumatic event.
Alternative therapy: Acupuncture, chiropractic, hydrotherapy, massage, physiotherapy and laser therapy covered.
Wellness: No routine/preventive coverage is offered.
Waiting periods: Accidents 2 days, illness 14 days, orthopedic/cruciate 2 mo. 60-day waiting period on cruciate ligament conditions.
Eligibility: New policies up to age 14. Minimum age 7 weeks. Not sold in Nunavut, Quebec.
Multi-pet discount: 5%
Underwriter: GPIC Insurance Company (a Trupanion-owned brand)

Good to know

•Low-cost budget coverage
•Flat, predictable $200 deductible
•Vet exam fees covered
•Short 60-day cruciate waiting period
•Claims can be paid straight to your vet where the clinic has an arrangement with PHI Direct

Watch out for

!New-condition model: a condition is covered only during the policy year it first arises — at renewal it becomes pre-existing and is no longer covered
!Not available in Quebec or Nunavut
!Dental limited to accidental tooth fractures
!Fixed 80% reimbursement
!A one-time, non-refundable enrollment fee applies per pet

Sources

PHI Direct

Budget accident & new-illness plan with a $10,000 annual limit.

$ BudgetAccident & illness

Deductible: Flat $200 annual deductible.
Annual limit: $10,000 per policy year.
Dental: Only covers a previously healthy adult tooth fractured by a traumatic event.
Alternative therapy: Acupuncture, chiropractic, hydrotherapy, massage, physiotherapy and laser therapy covered.
Wellness: No routine/preventive coverage is offered.
Waiting periods: Accidents 2 days, illness 14 days, orthopedic/cruciate 2 mo. 60-day waiting period on cruciate ligament conditions.
Eligibility: New policies up to age 14. Minimum age 7 weeks. Not sold in Nunavut, Quebec.
Multi-pet discount: 5%
Underwriter: GPIC Insurance Company (a Trupanion-owned brand)

Good to know

•Low-cost coverage with a higher $10,000 limit
•Flat, predictable $200 deductible
•Vet exam fees covered
•Short 60-day cruciate waiting period
•Claims can be paid straight to your vet where the clinic has an arrangement with PHI Direct

Watch out for

!New-condition model: a condition is covered only during the policy year it first arises — at renewal it becomes pre-existing and is no longer covered
!Not available in Quebec or Nunavut
!Dental limited to accidental tooth fractures
!Fixed 80% reimbursement
!A one-time, non-refundable enrollment fee applies per pet

Sources