i have printed out forms for the PA/APHA Pre Royal show @ the end of August & it comes with info re Marsh insured clubs. as i am in the APHA i am covered for the show, but as I might also show my mare in the QH classes, the AQHA/WAQHA are not covered by Marsh insurance so it states that I would have to pay the $20 day insurance cover fee. I just rang the contact number to check this out & was told there is no need to pay the $20 as i am a member of a Marsh insured club as per their listing. but what happens if something happens in the Q/H ring? will my APHA insurance cover a Q/H disaster? my mare is the same horse in either ring, just 2 different regs. this insurance stuff is out of control !!!!!!!!