Can my renewal get denied if my pet becomes sick with an illness at the time of renewal?

PHI Direct will not deny your renewal due to your pet becoming sick at any point of their policy or during the time of renewal.

No, your renewal won’t be denied. However, any injury or illness that occurred up to the renewal date will be considered pre-existing for the next policy year and all subsequent years. Any new conditions that occur after the renewal date are eligible for coverage for the balance of the new policy year. You can view some examples of how our new-condition coverage works on our examples page.