could ppl please PM me other insurance companies they are happy with? i just looked thru Petplan & it looks very simple & easy. i am just a pleasure rider, but i'd like to get into some unoff showing & hunter trials down the track. what does the 60% / 100% loss of use part mean? i put down for $5mill public liability, NO to saddlery, YES to my float (up to $4500), YES to destruction after death, and the put the value of my horse at around $4k (i figure i could buy a horse for that much if i ever needed to replace him?) that's about $118/month... any other suggestions to lower the cost of it? and my retired horse can be insured for like $34 a month!!! that's affordable.