How does pet insurance and vet care go hand in hand?

How does pet insurance and vet care go hand in hand?

What does pet insurance do in relation to the vet?
Does it make going to the vet cheaper or what?
Is pet insurance a monthly payment?
How much is a trip to the vet?
Do you have pet insurance? How much do you pay?

I will be adopting two kittens soon.

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