If there is a scratch on a horse you bet on, the wager will be refunded. Please take into consideration that the system will do so by the time the official results are provided by the track when the race is completed.
This can vary for exotic wagers depending on the type of bet that you selected and the possible outcomes.
For an “odds to win” with a fixed-odds payout amount, all wagers have action. This means that even if the horse is scratched prior to the race the wager will be settled as a loss.