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Horse Ownership: Hidden Expenses and How to Save Money

Owning a horse is more than just a hobby, it’s a lifestyle. As amazing as it may be to have your own majestic animal to care for, it is important to understand the expenses that come with horse ownership.

In this article, we will discuss the cost of owning a horse and how to avoid buyer’s remorse.

Education expenses

Riding lessons are a necessary cost for both you and your horse. Not only do lessons help you build your skills as a rider, but they also provide exercise and enjoyment for your horse.

The cost of riding lessons varies depending on location, but typically ranges from $40 to $250 per lesson.

Health expenses

Keeping your horse in good health is vital. Regular checkups with the veterinarian are a necessary expense for every horse owner.

The cost of vet bills is dependent on the type of service your horse needs. For instance, hock injections, which help alleviate discomfort in the joints, cost between $300 and $700, while Bute, a painkiller, can cost up to $20 per dose.

Fun gear expenses

Riding gear such as coats, boots, and helmets are essential for you and your horse’s safety and comfort while riding. Winter barn coats can range from $50 to $200, and while it may seem expensive, it is better to invest in good quality gear that will last for several years, rather than replacing cheap gear frequently.

Insurance expenses

Liability insurance for horse owners usually costs around $300 per year. Mortality and major medical insurance, which is coverage for the death or permanent disability of your horse, can exceed $1,000 annually.

Tow vehicle insurance, for when you need to transport your horse to a vet or show, can range from $200 to $500 a year, while equestrian roadside assistance membership costs between $100 and $250 per year.

Stabling expenses

Board’s cost varies from $200 to $800 per month depending on the area, the quality of the facility, and the amenities provided. The cost of boarding also includes amenities that are crucial to your horse’s care, such as feeding, cleaning, and turnout.

Travel expenses

Barn visits can add up quickly. The cost of fuel for trips to and from the barn depends on the distance of the barn from your home.

Consistent visits to the barn are integral to the care and health of your horse, so it is important to keep these expenses in mind.

Money well spent

Sometimes, the cost is worth the investment. For instance, lateral radiographs – pictures of your horse’s legs – can cost up to $200 but will help identify potential issues such as OCD, arthritis or ringbone.

Purchasing a quality winter barn coat for $100-$200 is a wise investment since it can last for a good few years.

Buyer’s remorse

Hock injections, a common treatment for arthritis in horses, can cost up to $700 and may only provide temporary relief.

This can lead to regret if they don’t work well. Another cost that can add up is expense management.

Set up a budget and keep track of expenses carefully to avoid buyer’s remorse. In conclusion, the cost of owning a horse goes beyond the initial purchase.

Riding lessons, health expenses, gear, insurance, stabling, and travel expenses are all factors that must be considered. But as with any hobby, the investment often pays off in the long run.

By following a budget and making wise investments, you can create a fulfilling and enjoyable experience for both you and your horse. As discussed in the previous section, the cost of owning a horse can be substantial.

However, there are a few tips and tricks that can help to minimize expenses and save money. In this section, we will dive into specific ways to rein in horse-owning expenses and we will also look at some exciting new developments that are on the horizon in the equine world.


One way to cut down on expenses is to consider bartering services or products that you already have. For example, if you have skills in equine dental care, you might offer your services to your barn mates in exchange for farrier services.

Cleaning stalls in exchange for free board is another possibility. Being creative with how you can offer services may be the key to working out a deal that benefits both parties, and saves money.

Watching for price drops

Another way to save money is to stay on the lookout for sales, coupons, or discount codes. Retailers often have seasonal markdowns, so planning purchases ahead of time helps in scoring deals.

Additionally, there are several price comparison apps that shoppers can use to ascertain the best prices- helping keep informed about when bargains are available.

Comparing costs before buying

Amazon’s universal platform offers a tremendous advantage to horse owners in the market for equestrian goods. Amazon’s high-volume model means prices are low and shipping is often free.

Comparing prices for products is a breeze on Amazon since there are hundreds listed, so it’s relatively easy to compare prices between sellers at a glance. With Amazon’s business model, buying in bulk is often much cheaper than buying from smaller providers for various goods.

Equine Joint Supplements

Joint supplements have been gaining popularity to promote joint health and longevity in horses. One notable recent development is the brand Equithrive, which features a line of several popular joint supplements.

Equithrives unique ingredients have proven to help maintain healthy joints in horses- while also assisting in managing pain and reducing inflammation.

Importance of Horse Emergency Fund and Equine Insurance

Another essential area of consideration is creating and maintaining a horse emergency fund. Emergencies and unexpected costs are an inevitable part of horse ownership, so it’s wise to plan and budget accordingly.

In addition to your emergency fund, equine insurance is a savvy investment should you need to cover the costs of surgeries, vet bills, or even the replacement of your horse should the circumstance arise. By following these tips, you can help keep your horse ownership costs low without compromising on essential care.

Remember to keep on the lookout for deals and discounts, compare prices, and take advantage of creative ways to save money. With this proactive maintenance and spending approach, you’ll be able to enjoy your horses while keeping costs under control.

Owning a horse can be expensive, but with some tips, you can keep costs in check. These include bartering services with fellow horse owners, watching for price drops through special offers and price comparison apps), and comparing prices before making a purchase on Amazon.

We also discussed products like Equithrive joint supplements, horse emergency funds, and the importance of equine insurance to tide you over any unforeseen crisis. Remembering these tips and prioritizing horse care can make horse ownership an enjoyable and rewarding hobby, free from financial stress.


– What are the essential expenses of owning a horse? Essential expenses include health, education, stabling, gear, and insurance.

– How can you cut down on horse-owning expenses and save money? Tips include bartering, watching for price drops, comparing costs before buying, and taking advantage of e-commerce platforms like Amazon.

– What are Joint supplements for horses? Equine joint supplements are designed to help maintain healthy joints in horses and assist in managing pain and reducing inflammation.

– Why is emergency funds and insurance crucial for horse owners? Emergencies and unexpected costs are an inevitable part of horse ownership, so it’s wise to plan and budget accordingly, and insurance is a great safety net when it comes to expensive medical procedures.

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