Just got a call from SmartPak Equine. I had Lizzie on SmartDigest Ultra for the last year or so. A horse taking that supplement is insured against colic. But I wasn't at all sure they would pay for Lizzie's surgery since what happened to her was "strangulating lipoma." The lipoma is a benign fat tumor that can wrap around the intestine and cause it to stop functioning. In Lizzie's case, the intestine had actually broken open by the time we realized she had a problem and her blood was completely infected. (Here's an Equine Vet Blog description of something similar - with pictures.) I wasn't sure that would be considered "colic" at all.
But SmartPak just called and told me that they had completed their review of the report on Lizzie from LSU and they would be covering the entire cost of that surgery and all those tests and treatments Lizzie had -- SEVERAL thousand dollars worth! Whew! I am SO grateful!
I'll tell you what, if you have a horse, put them on that SmartDigest Ultra. It's definitely worth every dime! Duke was insured already, but I put him on that Ultra, too. I doubt that he will ever have colic -- he's been eating everything within his reach for his entire 12 years with absolutely no resulting problem to date -- but I'm keeping him on that stuff anyway, "just in case."

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