I have mine through Equine Inurance Underwriters through my local insurance company. I think I pay 3.25% on a 10,000 horse.
When I insured a new horse a couple of years ago I had my livestock vet do the insurance evaluation. Her hooves were cracked and he wrote down that she had quarter cracks on her back hinds. They were hairline cracks that didn't go to the cornary band and I should have said something right then and disputed that they weren't quarter cracks. So this year again instead of renewing without a vet check I hadto pay the vet to come out again and check her "quarter cracks" he wrote this time they were resolved, but I still have an exclusion on my policy and she will have to be checked again next year. So if she dies of quarter cracks I'm not covered
I'm not too worried about the exclusion, but it ticks me off that I have to pay for the vet to come out every year to look at her feet now because he didn't know what he was talking about in the first place. I tried offering to email pictures for her file, but they didn't care. I suspect the people in the office don't know one end of a horse from the other. I would have been better off changing insurance companies and doing a new evaluation I guess.
What happens is not as important as how you react to what happens. -Thaddeus Golas