…to help treat your pet for all new qualifying accidents and illnesses for up to a year – depending upon when within the policy year the condition occurred.
To continue to keep your monthly premiums affordable, coverage for any condition in a previous year is no longer available. However, each year your coverage renews for the hundreds of new potential mishaps and illnesses that can affect your pet throughout their lifetime.
Most pet owners can budget for those smaller ongoing, and expected treatment costs (like prescriptions, annual check-ups, and vaccinations). PHI Direct is designed to help address the larger financial hits involved in diagnosing and treating unexpected illnesses and accidents.
Now you can get up to $5,000 or $10,000 of annual coverage for the most common pet medical expenses at a truly reasonable price.
With $5,000 and $10,000 in annual limits, PHI Direct Plans provide plenty of coverage to address the veterinary costs required to treat a typical accident or illness.
Extra benefits found in other pet insurance policies – such as lost pet rewards, unlimited lifetime benefits, zero deductible and 100% co-insurance – all add to the cost of your premium.
PHI Direct’s unique fluff-free approach keeps premiums lower, while providing enough of a payout to cover most accidents and illnesses (as long as they’re not a pre-existing condition) you’ll encounter in a given year.
A one-time, annual deductible of $200, with up to 80% coverage for all of the services included in your policy, are sure to keep you afloat if your furry friend gets sick or in an accident during the year.
We aren’t blowing a lot of hot air about our product with expensive marketing and enrollment incentives because you’re purchasing this coverage direct. Your reward for self-service is good basic coverage at a lower cost.
This gives you peace-of-mind knowing that you have some coverage in place that will continue to protect you and your pet against the financial impacts of new accidents and illnesses.
Want to know more about how PHI Direct ‘Time-Limited Coverage’ works? Download our sample policy or see some examples.
With PHI Direct we’ll cover your pet, just not their pre-existing conditions. Once your pet has a pre-existing condition, you’re still covered for everything else not related to that condition, including accidents and new illnesses for that year.
So, as long as your pet is between 7 weeks and 14 years of age at time of your initial enrollment you can get them coverage with a PHI Direct policy.
Since you are buying it from us direct, this helps keep the cost of your coverage low.