This is a picture of Tucker from last year in the Bug Armor. There is a belly piece too but I haven't quite figured out how to put it on. The stuff works great! I use it for schooling in the summer so he keeps his mind on me rather than the biting bugs. And it even keeps me safe when the big B52 bomber horse flies show up. Tucker bucked me off one when one of them attacked him and I now bail off when one shows up to be safe. But with the Bug Armor on, it's OK.
I saw some other riding fly sheets on eBay the other day. They have a cut out for the saddle and would, I guess, work too. The face piece is a separate purchase as the Bug Armor only covers his body. I bought one with ears so he doesn't shake his head.
I honestly can say this was one investment really worth the price. If your horses are bothered with biting bugs when you ride, I highly recommend it. If you are interested, do a web search for the best prices, and don't forget to check eBay.
Hope I get some swimming in today.