Submit Your Claim

To file a claim for your pet, simply enter your details into the form below and attach your itemized veterinary invoice(s). Click the 'Submit' button to complete your form.

📌Wondering what claims PHI Direct covers?

PHI Direct does not cover pre-existing conditions, preventive care, or elective procedures. With 'New-Condition Coverage', any condition experienced in one policy year will be considered pre-existing in future policy years, including any associated or bilateral conditions. You can view the full list of what's covered and what's not covered with PHI Direct in our sample policy.

Please note, per your PHI Direct Policy, we only pay reimbursement requests that we receive no later than 90 days after the treatment date or within 90 days of the date your policy terminates, whichever occurs first.

If you prefer, you may download a PDF version of the Claim form and submit to our team via the instructions on the form.

Direct Deposit Reimbursement

We use Direct Deposit to ensure your claims reimbursement gets to you quickly by depositing directly into your bank account. If you did not supply your bank account information when you enrolled, and this is your first claim, you will need to call our Care Team at 1-855-600-7072 and provide your banking information for reimbursement.

Have questions or need more support?

To learn more about what pet health expenses are eligible or ineligible
for coverage, please refer to your Policy document.

Submit Your Claim

Please ensure all necessary fields are completed. If you are still on this page a field may have been missed or was entered incorrectly. Once you've successfully submitted this claim form, you will be brought to a Confirmation page.