Submit Your Claim

To file a claim for your pet, simply enter your details into the form below.

Fill in all the fields on the claim form below and attach your itemized veterinary invoice(s). Click the 'Submit' button to complete your form.

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.

Are you wondering if your pet’s condition is eligible for coverage?

As a reminder, PHI Direct doesn’t cover any pre-existing conditions (conditions that occurred prior to enrollment, during applicable waiting periods, or conditions experienced in prior policy years) or routine/preventive care (which includes wellness exams, vaccinations, spay and neutering, etc.). Check out the complete list of what’s covered and what’s not covered with PHI Direct in our sample policy. If you have any questions about your pet’s specific condition, please contact our Care Team.

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

Are you wondering if your pet’s condition is eligible for coverage?

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.