When a horse becomes permanently disabled & unable to perform the use described on your policy (at any level), the carrier will pay a percentage of the insured value. This percentage is usually 50 to 70%. A veterinarian must advise the claim department that the horse is disabled. Carriers may have their veterinarian examine the horse to confirm the diagnosis. If the 2 vets are not in agreement, a third vet may be called in for mediation. This coverage does not apply to horses that are laid up due to injury for an extended amount of time, and then return to work.