Do you pre-enter? If you pre-enter there is a small discount.
I only pre-enter at shows that will refund your entry/wont cash the check if you don't show. I've lost a lot of money in the past few years pre-entering, every time I do my horse seems to find a way to make sure we can't go. Or it rains. haha. I will check out the other show series mentioned though. I've heard MW is low key.
I can understand scratching a horse for injury, illness, or lameness reason, but the refund should only be given with proof by a Vet or Farrier on their letterhead state what is wrong. Checks shouldn't be cashed prior to the show. If an exhibitor does scratch they would need to notify the show office prior or the day of the show. I wouldn't refund money if the exhibitor wait till the day after the show or later. Time is of the essence in this situation.
I've had a horse spring a shoe. The farrier comes the day before the show to put the shoe back on, drives a hot nail, and then the horse is lame. I didn't pre-enter for that show, but I would hope that I would be able to get my money back if I had pre-enter.
Now if the show is held in wet conditions and someone that pre-entered decides not to show I would say they don't get a refund.