If your pet has a microchip in it or has been spayed or neutered, you will receive a discount on coverage. (insuranceproviders.com)
For example, if a neighbor finds you lost cat, they will not likely have a microchip scanner and will simply rely on the collar ID tag. (thedrakecenter.com)
If your cat has a microchip ID contact the registry to report her as lost. (felinefriendsnetwork.org)