I just realized I had missed this post. As a matter of fact I do not have insurance. I am waiting now to see if I will qualify for financial assistance for this. With no insurance you get the same treatment but may pay for the rest of your life. lol. At present I have over $20,000.oo in medical bills. By the time the Drs bills come it will probably be near a years wages. I have a friend in England that just retired from teaching this year. How did the horse fare? Do you intend to ride again?

Ronda