depends on the wormer you are using. a prescription wormer is the best for them and will cover all the worms. you can get this from the vets with out taking puss in and getting a consult charge. OR you could take her in for the check up for the Urinary problem and get it then. As for your insurance covering the urinary condition. If she does in fact have a urinary problem your insurance will cover it. but you will have an excess to pay before they will pay for anything.

It's also possible the toddler or small child is the culprit of the in and out. sometimes children can make kitties uneasy and will cause behavioural problems. If this is the case you may need to look into using a Feliway plug in or looking into a calming drug for kitten from your vets. In some cases your insurance will cover these as well. You can get a covered litter tray for your kitty to use whilst in the house which will keep the children away from the litter as much as possible. regular cleaning should suffice if you're worried. Many people all over the world have children and cats indoors and don't have issues with the poo. Most cats in the US are indoor cats and i don't think it's kept them from having children! you may also find that kitty is playing a game with you just to get your attention. the in and out is making kitty the centre of it so she will continue to do it for the attention, just as a child will go 'ut oh' when they drop something off the top of their highchair when eating. I do hope you take kitty in to the vets and if you feel that money is going to be an issue discuss this with your vets so they can cater to your circumstances and maybe allow you to pay half now and half later or pay over a period of time. Also this will help them to not give you all the bells and whistles and try to get down to business and leave all the extras out.