I hope it is ok for me to answer since i am from NZ.

1.

We pay for kitties vet treatment via savings, i nominate a certain amount each month for them, if we go over it, we just have to go into overdraft on our account, simply as that.

2.
No i do not have pet insurance, cannot afford it with four kitties,and besides it only covers certain things and cats up to certain ages, once they are over ten i think it is they are not covered by a lot of things.

3.

I am quite well informed about pet insurance, having sent for a brochure, as i was considering it at one time, but just found it not possible on our income.

Hope that helps some.