Adopted Stray Cat

This cat was hanging out at our house all summer - day and night, while it was over 100 degrees and never left. We started feeding her and my kids started going outside to give her loves and play and named her “Spot,” we ended up bringing her inside after asking neighbors in our HOA if they knew who owned her or if she had a home, etc. no one knew - she is extremely sweet, let’s my kids be kids, and gets along with our kitten (11 mo.,) for the most part. She def had a home at some point but we think she was abandoned by our neighbors when she moved because she def doesn’t act feral - but, she has something wrong with her eyes - my husband believes it’s a cataract. We are taking her to the vet on 9/12 - but, I’m wondering if I should add her to our pet insurance and wait 30 days so we don’t get preexisting conditions but I don’t know if it’s an emergency or not. Any ideas on what tests I should have the vet run on her or if it’s an emergency or not? Her eyes are different one looks glazed over and kind of foggy and dilates differently.

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