Suspended
Agreed.
I find it's very rare that a cat gets something that is worth fixing. Either they would brush it off by themselves, or it's so bad you have to question whether you are a good owner if you don't let them go.
With ours its mainly been infection from cat bites. You only realise there is a problem when they do the sleeping somewhere different, just not being there usual self or the abscess bursting and bloody puss all over the bed Off to the vets and get it cleaned up and a course of antibiotics. That only tends to be £100-150 and not worth claiming for anyway.