>>>>> also, fyi, from what I understand there is only one or two equine 
>>>>> insurers in the US, but many brokers, in many states.  so its not going 
>>>>> to vary that much from broker to broker.  


I don't know about that, but I've heard some horror stories about getting the 
companies to pay.  If my horse is in horrible pain (needing surgery, or to be 
euthanized) the last thing I want to do is wait around for an insurance company 
to say it's ok to do the procedure.  It's bad enough what we sometimes have to 
go through for human coverage.  


Karen Thomas
[EMAIL PROTECTED]




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