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[RC] health insurance for vet care - Cindy Stafford

After just signing away my life savings for routine annual check-ups for the cat, dog and horse, I wondered if doing the pet health insurance I've seen advertised might be the way to go.  Was curious if anyone out there in ridecamp has used this for their horses?  Pros?  Cons?
What about you vets?  Are there a lot of restrictions about what's covered?  Do all vets accept the plans?  Or depends on the veterinarian and company, like people's HMO's?
Any recommendations from anyone for a good company to use (if the health insurance is a good idea)?