We've never had insurance for any of ours and neither have my parents.

I had a diabetic cat, I just paid for the treatment every month, it was just another household cost, it wasnt even something I thought about or questioned.

Our dog also had to have quite a lot of investigation into a back injury about 6 years ago, xrays and the such like. We just put it on a credit card, we keep our credit cards for emergencies and thats what that is.