My big tabby began sneezing and coughing a lot. He is now my inside/outside pet, after spending at least 2 years outside on my patio and not being fed while I took care of an inside cat with many health problems. He began sneezing and coughing, so I took him to my regular vet, who had a blood test that proved he has FIV. After an $88 vet bill I submitted a bill to VPI, and was very pleased to receive a check for $55. It was much more than I expected.