How is PHI Direct’s plan and premium so affordable?

Our new-condition coverage helps keep premiums lower over the course of your pet’s lifetime.

PHI Direct’s goal is to provide pet guardians with low-cost, yet high-value pet insurance. 

With our new-condition coverage your pet is covered for all of the new bumps, tumbles, or illnesses they may experience – just not their pre-existing conditions. Once your pet has a pre-existing condition in a policy year, you’re still covered for everything else not related to that condition – this helps keep premiums lower over the course of your pet’s lifetime – on average, 45.8% less for dogs and 37.7% less for cats, compared to other insured Canadian pets.*

Once your policy renewal arrives, we'll apply an "exclusion" tag to that specific condition for the following policy years, as this is now considered a pre-existing condition. But don’t worry – you’re still covered for new conditions that your pet might experience! 

This approach to coverage helps treat your pet for all new qualifying accidents and illnesses for up to a year and keeps your monthly premiums affordable because coverage for any condition your pet has experienced in a previous year is no longer available. This is typically when there are higher costs due to the initial diagnosis and treatment of the illness or injury.

Learn more about our new-condition coverage.