fingers crossed for the tests Kaz and good idea to wait until you and Mick are back home as well.
Re the insurance - who are you insured with? I have all mine insured with PetPlan and had no claims at all for 4 of them, a £360 claim for Henry and over £4000,00 for Harry in the past year and a bit. I was expecting a hefty increase in insurance for Harry but nope - standard increase as for all the others. In fact I pay less for him than I do for the others so go figure that one.
Personally, I'd claim - the insurance will go up anyway because other people claim; it's not based on just you (if that makes sense)