I think BC, it is usually Tobiano which puts chest shields on a horse, although I have seen a ton of Tobianos without one. I knew nothing about the filly shown, but what I thought my be part of her makeup. Others apparently knew her sire and dam and more about her. That put me at a bit of a disadvantage. No worries though, colour is often not as we think it is.
In Minis now, there have been tons of extremely surprising outcomes, when testing for Splash. Many who have tested negative but were seemingly and obviously Splash to the eye, have offered their horses for further evaluation.
We also have Splash in Gypsy Horses, but so far, no Frame has been discovered.