Feline immunodeficiency virus (FIV) in cats

  • Up to £15,000 vet fees

  • No compulsory excess or bill share, even as your pet ages†

  • No upper age limit

  • Free 24/7 access to FirstVet video consultations

  • All pre-existing conditions considered*†

Why choose Petgevity pet cover for FIV in cats?

Vet fees up to £15,000

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To suit your pet’s needs, choose vet fee cover from £1,000 to £15,000. The limit resets every year you renew.

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What is FIV in cats?

Content by Dr Siân Burwood MRCVS

Feline immunodeficiency virus (FIV) is a viral infection that damages the way a cat’s immune system works. Similar to HIV in humans, the damage to the immune system means infected cats are more likely to suffer with other infections that they would otherwise be able to deal with. It can also make some other diseases, like cancer, more likely.

FIV is spread through contact with infected cats, and does not cause specific symptoms. It can be highly contagious to other cats if they fight – so while infected cats can live out normal lifespans, they must be kept as indoor cats.

FIV can only affect cats. It’s not a risk to humans or other animals.

What Causes What Causes
Overview
  • Feline immunodeficiency virus (FIV) is a viral infection that affects cats’ immune systems
  • It develops very slowly, and signs of disease may not be seen for 2-5 years after infection
  • It’s spread by saliva. Cat bites are the most common way for this to happen
  • It cannot be cured. How serious the disease is depends on what (if any) secondary infections develop, and how healthy the cat is otherwise
  • FIV-positive cats can live out normal lifespans, but must be kept in such a way that they don’t risk spreading infection to other cats
What Causes What Causes
What causes FIV in cats?

FIV is caused by the feline immunodeficiency virus. This belongs to a group of viruses called lentiviruses, which all cause disease slowly – sometimes many years after infection.

FIV is mostly spread through cat bites, as the virus is always present in the saliva of infected cats. It can very rarely be spread by mutual grooming, and if a pregnant cat is infected it can spread to her kittens. It’s not known whether blood-sucking parasites like fleas can spread infection or not.

FIV does not survive for long in the environment, and so regular cleaning and stopping spread via saliva is the best way to manage it.

What Causes What Causes
Which breeds are most affected?

There’s no breed most affected by FIV infection. But there are types of cats who are more at risk – especially those who live in large groups of unneutered cats, where there’s more likely to be fighting and bites.

Male cats are twice as likely to be infected as female cats, and outdoor cats are more likely to be affected than indoor cats.

What Causes What Causes
What are the signs and symptoms of FIV in cats?

FIV doesn’t have any specific signs or symptoms, and it may often present looking like something else. Your vet may suspect FIV from your cat’s history (for example in male cats that go outside and fight a lot), or if they keep being seen with recurrent infections that don’t seem to get better as expected.

Signs that might suggest FIV infection include:

  • Weight loss
  • Recurrent fevers
  • Lethargy
  • Inflammation of the gums and mouth (stomatitis)
  • Enlarged lymph nodes
  • Ongoing diseases of the eyes, lungs, guts or skin
  • Neurological disease
  • Cancer
  • Unusual infections

Diagnosis

FIV can be easily and reliably diagnosed by a simple blood test. This can often be done at your vet practice, although some will want to send it off to an external laboratory.

What Causes What Causes
Treatment of FIV

FIV is a disease that’s managed, not treated. Treatment will be provided for whatever secondary infections your cat might be showing: pain relief for inflammation, antibiotics for infections, supportive care for fevers and loss of appetite. When another disease – such as cancer – develops due to underlying FIV infection, the treatment will be focused on what that is, rather than dealing with the FIV itself.

FIV infection cannot be cured. There aren’t currently any safe antiviral medications for this. Management of FIV is focused on stopping the spread of the disease through:

  • Neutering
  • Keeping cats in stable social groups
  • Maintaining good preventative healthcare through regular vet checks, good diet, vaccination and parasite treatment
What Causes What Causes
Prognosis

Some cats infected with FIV may never go on to develop clinical disease, and for them the prognosis is excellent. The most important thing is to know (if at all possible) whether a cat is FIV positive, so that their lifestyle can keep them and other cats safe, while reducing spread.

If a cat does go on to develop disease secondary to FIV, prognosis depends on what that is and how healthy the cat is otherwise. A cat in a stable home with, say, dental inflammation can be managed well and live out a normal lifespan. A cat who still goes outdoors and develops lymphoma will have a much poorer prognosis.

What Causes What Causes
Our expert says…

“FIV is something that’s always at the back of our minds as vets when dealing with a cat who keeps getting the same infection, or who isn’t responding as we would hope.

“I often see FIV-positive cats who have been rescued and live out a healthy and happy life as a house cat. The more concerning thing we see is the unneutered cat who’s allowed to roam freely and get into fights, as they’re adding not only to the cat over-population problem, but also to the spread of FIV.

“I often wonder how many of the later-life cancer cases I see are maybe related to the bite the cat received many years ago. As always, keeping up with preventative care and regular checks is the best way forward.”

Dr Siân Burwood MA VetMB MRCVS

What Causes What Causes
Can I get insurance for a cat with a FIV?

If you’re thinking about buying a Petgevity Lifetime Plus policy, we’ll consider all pre-existing conditions when offering cover for your cat* – including FIV.

When you apply for cat insurance, you need to let us know: 

  • Which medical conditions they’ve had in the last two years 
  • Their health status now

Find out more about Petgevity’s cat insurance for pre-existing conditions.

What Causes What Causes

What’s included in your pet cover

Choosing Petgevity to protect your pets gives you more than just vet fee cover. Here's what you get from our policy.

Dental accident

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Covers your pet up to the chosen vet fee limit if they have a dental accident or injury. Always be sure to take your pet for annual dental check-ups, and follow your vet’s advice.

Behavioural treatment

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Get expert help with your pet’s mental and emotional wellbeing, as advised by your vet. Cover up to your chosen vet fee amount or the cost of up to 12 sessions, whichever is lower (Lifetime Plus); or up to £1,000 (Lifetime).

Complementary therapy

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As advised by your vet, this covers alternative treatments like acupuncture or hydrotherapy. Cover up to your chosen vet fee amount (Lifetime Plus); or up to chosen vet fee amount or £1,500, whichever is lower (Lifetime).

Emergency care

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If you can’t look after your pet due to an emergency, such as an unplanned hospital visit, this covers you for up to £1,500 (Lifetime Plus) in minding costs.

Third-party liability for dogs

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Covers you for legal costs if your dog causes injury to somebody or their pet, or causes loss or damage to someone’s property. Protects you for up to £2 million in a legal action.

Choice of optional extras

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Need extra protection? Choose from several optional extras to cover your pet’s needs, including dental illness, or cover if your pet is stolen or lost.

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Compare our multi-pet cover†

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Maximum vet fees £15k per year £15k per year £12k per year £20k per year
Cover for pre-existing conditions? ✓ ✓ ✗ ✗
No compulsory excess? ✓ ✗ ✗ ✗
No compulsory co-payments for older pets? ✓ 20% (from age 9) 20% (from age 7) Min. 10% (from any age)
Tailor limits per pet on a multi-pet policy ✓ ✓ ✓ ✓
Dental treatment for accidents? ✓ ✓ ✓ ✓
Behavioural treatment and complementary therapy? ✓ ✓ ✓ ✓

†For Lifetime Plus policies only – details correct as of 10 September 2024 via competitor websites. Competitor products are subject to their own T&Cs and can have different limits and requirements for cats versus dogs at different ages. For full details, please check the relevant policy wording.
For full details of Petgevity pet insurance, please read our policy wording.

Frequently asked questions about FIV

  • How do cats get FIV?

    FIV is spread through contact with the saliva of infected cats, and is usually spread by cat bites. The virus does not live well outside of the cat, so regular cleaning and preventing bites is the best way to stop it spreading.

  • What are the symptoms of FIV?

    The symptoms of FIV are not specific and may not start until many years after infection. Cats with weight loss, lethargy, enlarged lymph nodes should all be seen by a vet – and FIV should be considered for any cat with recurrent infections or diseases that don’t seem to get better.

  • Does a cat with FIV need medication?

    Cats with FIV don’t need specific medication for the virus, but may well need medication to deal with any diseases that happen as a result of the virus. These can include anti-inflamatories and antibiotics.

  • How contagious is FIV to other cats?

    FIV is contagious to other cats in environments where fighting and bites are common. Male cats, outdoor cats and unneutered cats are all at high risk from FIV. Cats who live in stable social groups where they don’t fight with each other are considered low risk – even if there’s an FIV-positive cat in the group – but this is not a failsafe.

  • Do I need to put down my cat with FIV?

    Diagnosis of FIV doesn’t mean you need to euthanase your cat, although this is sometimes done in shelters as a way to control infection. As long as a cat is not showing symptoms of disease, is able to be supported when they do, and does not pose a risk of infection to other cats, then a FIV-positive cat can live a normal lifespan.

†Lifetime Plus policies only

*Cover for pre-existing medical conditions is subject to acceptance. They will not be covered unless you have declared them and they are shown on your Confirmation of Cover.

**Illnesses and symptoms won’t be covered in the first 14 days and accidents won’t be covered in the first 2 days of the policy. This is unless you are switching from another lifetime pet insurance product with no break in cover and the claim you want to make would have been covered by your previous policy. Other exclusions may apply to other sections.