PHI Direct will provide coverage for new conditions each policy year and, after that, it will become pre-existing.
If a new condition requires treatment beyond the initial coverage period, it will be considered a pre-existing condition in the next policy year and will not be eligible for coverage.
PHI Direct is here for your pet for the large financial costs often associated with diagnosis and initial treatment, which helps keep your monthly premiums lower on average. If a condition becomes chronic, we believe a pet owner will be in a better position to then budget for that ongoing care.
View our Examples page for several scenarios such as illnesses and accidents.