Rates & Payments

All things rates and payments, including things like how to update your billing information and how are premium prices determined.

• How is PHI Direct’s plan and premium so affordable?
• How do you determine my pet’s premium?
• When is my monthly payment date?
• Can I pay my premium at an annual rate instead of monthly?
• How do I update my credit card or billing information?
• Why is my rate changing if I have not filed a claim? My premium increased but I haven’t used the coverage.
• Will my premium increase at renewal if I submit a claim?