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What forms of payment do you accept for premiums?

PHI Direct accepts all major credit cards, Apple Pay, and PayPal!

At PHI Direct, we try to make paying your pet insurance premiums as convenient as possible and we accept a variety of payment methods. You can pay your premiums using all major credit cards and we even accept payments through Apple Pay and PayPal when enrolling online! 


With these flexible payment options, keeping your pet's insurance up to date is simple and hassle-free!

Prepaid Cards as Payment Methods

Please note: Prepaid cards may cause a lapse in coverage if it does not have sufficient funds at the time of payment, and your policy may be cancelled.


If you enrolled with a prepaid credit card, please contact our Care Team to update your credit card on file to avoid a lapse in coverage. You can reach our Care Team at care@phidirect.com, Monday - Friday, 6am - 4pm Pacific Time.