I paid $155 this year to be a PCAWA member. For this I am not insured for riding taking place at non-PCAWA events. I am not insured when I ride at home or when I go to an event outside of PCAWA. I am not insured whilst travelling to and from any PCAWA events. I am not insured if I want to ride on the Pony Club grounds on non rally days. Tell me why I paid $155 to be a member? I should have paid my money to SHC $75 per year to be insured 24/7 when riding or working my horses and even when I take overseas trips and happen to ride horses there.