Why did the conditions I claimed for while enrolled become a pre-existing condition at renewal?

This is because of our new-condition coverage.

With PHI Direct’s, new-condition coverage policy, any condition experienced in one policy year – whether claimed for or not – will be considered pre-existing in future policy years, including any associated or bilateral conditions. This is why any conditions you claimed for while enrolled, won't be covered in future policy years, so we can be there for you for the big financial hits of initial diagnosis and treatment.

This unique approach to pet insurance coverage helps keep premiums low and the value high, allowing us to put more dollars towards paying invoices and claims to the PHI Direct pack of furry companions.