No, not health insurance for horses, but rather for people.
I feel extremely lucky that there has never been a time in my life when my health insurance has really been in doubt. There have been short periods when I have not had insurance, but always when transitioning between jobs. It was more a question of getting the paperwork in order than scrambling to find something else.
That said, I'm sorta-kinda in that place right now. On January 1, I transitioned to my husband's insurance - which has opened up all these weird dependency anxieties like I am all of a sudden not my own person and a functioning, independent adult, THANKS A LOT BRAIN.
His 2016 insurance cards haven't arrived yet, and I'm off my own plans, so I am in a weird place where if I had to go to the emergency room and they said "what insurance do you have?" I'd have to say "ummmmmm..." The answer is out there, somewhere, but it would require calling around to find.
All that is by way of a possibly TMI and almost definitely boring intro to my main question.
If you have gone without health insurance in your life, has that impacted your horseback riding?
On those occasions when I have been sort of in-between coverage for two weeks, or once a full month, I did not ride. Maybe I was being overly cautious. I have a much, much higher degree of risk-aversion than the normal person, I know. But my feeling is that riding is a genuinely dangerous activity, and that I cannot predict with certainty that I won't be injured while doing so. If I were to take a bad fall and needed to go to the emergency room, it would cause real problems, especially if the paperwork hadn't cleared yet or whatever. Like I said, really risk-averse.
That said, I'm riding a lot right now, even though my insurance card is floating out there somewhere. Maybe I've become slightly less risk-averse. Maybe I'm feeling more confident that all is settled since technically my husband has last year's insurance info and it's more easily figured out than if we were on something totally new.
Either way, now that I've typed all this out I'm going to nag him again to call his insurance company and figure out what happened to those cards.
So - what about you? Have there been times when you've been between health insurance? Have you chosen not to ride, or ridden anyway? Has it ever caused you problems?