Just purchased vet insurance, $70/mth for up to $10,000 with a $200 excess and also covers removal of the corpse if the worst ever happens *crosses fingers*.
Feel soooo much better now - I have more financial responsibilities (of the human kind) than just my horse and it would have been horrible if two separate emergencies had coincided, Murphy's law being in play, and I only had enough in savings for one. This way I can at least know one of them's covered. And I'll barely notice 70 a month.
Anyway, just thought I'd share my quiet relief (and recommend it as a good idea).