My 10 year old cat had what I thought was a stubborn hairball hack. The vet knew better and a blood test along with two x-rays showed advanced chest cancer and lumps by the kidneys. So much the Vet recommended no surgery but injected antibiotics for the lung infection and suggested steroids in a few weeks to ease the growths should he still be alive. All this company could do is ask for more and more information...recent info faxed by the office and all other documents from time of birth sent by me via email. End result: its a cough, you're not covered. Heartless.