Claims & Forms
Reimbursing your claims is a priority at PHI Direct. We will process all Reimbursement Requests – whether simple or complex – as quickly as possible, once we have received all of the required documentation.
You visit the vet
Your pet has become injured or sick and is treated by your veterinarian. Pay your vet for their care and services.
You submit your claim
Scan or take a photo of your invoice that details the services provided and send it to us.
You get paid back
You get reimbursed your co-insurance amount less your deductible* - usually within 15 business days.
*You are reimbursed 80% of the eligible claim amount up to the limit of your coverage, less the $200 deductible (if applicable). Once your annual deductible is satisfied you won’t pay the deductible again for that year.