I have mine insured through The hartford ins co. They charge 3.4% of value, that also includes $5000 for colic surgery. I also add on major medical and that is $250 with coverage to $5000, $250 deductable per claim, (so if its a leg injury it will cover that for the year)
I have had to do a mortality claim. My older gelding had bone on bone arthritis and through xrays and vet calls they approved coverage for him to be put down due to lameness. I don't know of many that would do that. I had a check within 2 weeks.