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