(the plaintiff leased his horse to a trainer; horse insured under policy requiring plaintiff to state that horse not treated for illness or injury during prior 24-month period, and plaintiff required to report to carrier any injury or illness after policy took effect; horse turned up lame and leg treated with ice until further evaluation; insurance company notified 15 days after lameness discovered and horse ultimately euthanized; insurance company denied coverage and plaintiff sued; court determined that plaintiff).