I can't answer your questions direction, but I know my vet office has some flyers on display. Maybe you can ask your vet what they recommend--if anything. When we adopted a shelter cat last summer, she came with a short-term policy. The exclusions were so big that I didn't see the point in extending it. It was through Shelter Care.

Ironically, I'm off to the vet today with our older cat. He peed outside the box today for the first time ever and I'm concerned that he may have a UTI or the like.