Abstract: Disclosed herein are catheter assemblies (100) with a locator tip (134) proximal to the distal tip (112) of a catheter tube (110). The locator tip is sized to remain outside a female urethra and configured to allow the catheter tube to pass there through. As an example, the locator tip allows a woman using a urinary catheter to target her urethra without exposing the catheter tube to tissue until the urethra is located and insertion is initiated. This avoids infecting the urethra with a catheter tube that has been contaminated by bacteria around the urethra.