Call the vet and send them the bill. If the horse needs seen badly it shouldn't matter who is paying...as long as the horse is being seen. At the end of the day, the BO could get into trouble for having a horse needing medical attention and not providing it. Owner or no owner, the horse is in *HER* care. She should call...mail the bill. If it gets paid, wonderful...if it doesnt...now you have even more reason to sell the horse out from under him.