The tiler did the cuts for the inserts. They also honed the edges, so that they looked bull-nosed. I still have to find the name of that tile guy for you, on Gardenweb!
I'm pretty sure the guys who did the travertine (which is more difficult to lay than ceramic or porcelain tile because of its irregular thickness), are the same ones who installed my granite. These guys are good.
And... I found out about the fillers
after I'd purchased my travertine. We have had a few pit on us, but they're on the floor of the hallway that goes into my office. It's a heavily traveled area, so it figures it'd happen there. I need to buy the filler and it's something on my to-do list, but my to-do list is very neglected lately!
ETA: This is what it looks like when it pits out. Notice the hole a little left of the center; it looks gray. It doesn't go all the way through, but it's where the filler is gone. I've heard of some people who've tiled their whole homes, and it's looked like termites have gotten to it! Can you imagine???!!!!???? Can you imagine the grime that could grow in one of those holes if it happened in the shower? Ugh.