If he is a rescued cat, how do you know that he is called Cyril? Daft name for a cat if you ask me.
I am just back from the vet with Kevin, our 20-yr-old neutered male. It cost £47 plus another £25-odd for medicine for an eye infection. Over the years we average about £100 p.a. on vets bills, so if Kevin is anything to go by just self-insure.
But- that's insurance. Pain in the arse if you never call on it, pain in the arse if you have a big bill (unlikely on a cat) and don't have a relevant policy.