

No, there is no way. That will be entirely up to the airline. They treat non-service animals as pets, with all the rules and regulations that apply. There’s nothing that obligates them to treat an emotional support animal any differently than any other pet.
I did a little digging into that horse story. It seems it may actually have been a trained service animal and not just an ESA. But in either case, the DOT has since updated its rules to exclude miniature horses from being allowed on airplanes.









That sounds like it’s up to the insurance company. But, again, there is nothing in the way of being an emotional support animal that would compel it to be covered by insurance, so I wouldn’t get your hopes up for it being covered. A service animal may be a different story.