Got My Horse

Managing the Costs of Horse Ownership During COVID-19

Owning a horse is a huge responsibility, and the cost of ownership can add up quickly. From riding lessons to health care, insurance to stabling, and travel expenses, the bills can pile up quickly.

But don’t let the initial costs scare you away – owning a horse can be incredibly rewarding. Whether you’re new to the equestrian world or a seasoned horse owner, it’s important to have a clear understanding of the costs involved, and to find ways to save money where you can.


Riding lessons are an essential part of owning a horse. They teach you the necessary skills and techniques to ride safely and effectively, making you a better horse owner in the process.

The cost of lessons can vary greatly depending on where you live, the level of instruction, and the type of riding you’re interested in. In general, you can expect to pay between $30-$100 per lesson.

To save money on riding lessons, consider bartering. If you have a skill or service that your instructor needs, they might be willing to trade lessons for your expertise.

This not only helps save money, but also builds a stronger relationship between you and your instructor. Another option is to join a group lesson instead of taking a private lesson.

This can significantly reduce the cost, while still providing valuable instruction.


Regular farrier visits are necessary to keep your horse’s hooves healthy and strong. Shoeing costs can vary depending on the type of shoes you choose and the region you live in.

On average, you can expect to pay between $100-$200 per shoeing. Spring vaccines are also necessary to keep your horse healthy and protected from diseases.

The average cost of vaccines is around $50-$100 per year. If your horse has health issues, such as hock pain, it may require hock injections or other medications to manage the discomfort.

This can be expensive, with costs varying depending on the severity of the issue and the medications required. On average, you can expect to pay several hundred dollars per injection.

To save on health expenses, keep an eye out for special deals and promotions on vaccines and medications. Also, make sure to keep up with regular preventative measures, such as proper nutrition and exercise, to minimize the chances of your horse developing health issues.


Horse ownership also comes with its share of fun expenses, such as liability, mortality, and major medical insurance, as well as tow vehicle and horse trailer insurance. These are necessary costs to protect both you and your horse in the event of an accident.

The cost of these insurances will depend on the value of your horse and the type of coverage you choose. US Rider Equestrian

Roadside Assistance Membership is a great investment to make sure you and your horse stay safe on the road.

For an average cost of $120 per year, US Rider will provide 24/7 roadside assistance, towing, fuel delivery, and more. To save on insurance costs, shop around and compare quotes from different providers.

You may also be able to save by bundling different types of insurance, such as your horse trailer and tow vehicle insurance. Don’t forget to consider the deductibles available to you- a higher deductible may result in paying less for insurance overall.


Stabling is another significant cost of owning a horse, with prices varying greatly depending on the type of stabling you choose. From pasture board to full-care stall board, the price can range from a few hundred to several thousand dollars per month.

Make sure to factor in the cost of feed and bedding as well. To save on stabling costs, consider a co-op barn where owners share the cost of care, or even offering to do some of the stable work yourself.

Additionally, pasture board is generally cheaper than stall board, and can have positive benefits for your horse as well.


Travel expenses are also a significant cost when it comes to horse ownership. Fuel costs can quickly add up when traveling to shows, events, or even just going on trail rides.

When planning your trips, consider carpooling with other horse owners, or even renting a trailer together. This can help save money on fuel costs and make the trip more enjoyable.

In conclusion, owning a horse is a significant financial investment, but it can also be an incredibly rewarding experience. By understanding the costs involved and finding ways to save money where you can, you can enjoy your time spent with your horse without breaking the bank.

Remember to shop around, compare prices, and find ways to share the cost of owning a horse. Happy riding!

The COVID-19 pandemic has greatly impacted the world in many ways, and the horse industry is no exception.

With the economy in a state of uncertainty and many people facing financial challenges, the cost of horse ownership has become an even more significant concern. In this regard, many horse owners have found inventive ways to cut costs and make horse ownership sustainable through temporary board arrangements and bartering for board and services.

Temporary Board Arrangement

As a result of the pandemic, many horse owners are experiencing financial difficulties and have struggled to keep up with the cost of stabling their horses. In response to this challenge, many stables have started offering temporary board arrangements to help horse owners manage their costs.

Such arrangements allow horse owners to board their horses in a less expensive manner while still providing adequate care and accommodations. Temporary board arrangements typically offer a reduced fee for a set amount of time.

For example, a stable may offer a discounted boarding rate for the next three months to help support the horse owner during the pandemic. These arrangements are an excellent solution for horse owners facing financial uncertainty, as they can help to reduce costs and allow owners to keep their horses healthy and happy.

Bartering for Board and Services

Bartering for board and services is another alternative for horse owners looking to reduce their costs. Bartering is an age-old practice that has become increasingly popular in the horse industry due to the pandemic’s financial impact.

While bartering may not be ideal in all situations, it can be an effective way to manage the cost of horse ownership. Bartering involves exchanging goods or services instead of paying for them with cash.

For example, a horse owner might offer to give riding lessons in exchange for board and stabling services. Similarly, a stable owner might offer discounted board in exchange for help with stable work.

These types of arrangements can be mutually beneficial for both parties, as they allow each to meet their needs without the overwhelming cost.

Uncertainty in Future Plans

Finally, the pandemic has caused uncertainty in many areas, including the economy, future plans, and even in the horse industry. In the face of such uncertainty, it is essential to take the time to make smart financial decisions when it comes to horse ownership.

Owning a horse is a significant financial investment, and it is essential to have a clear plan in place when times are tough. This includes setting realistic goals and budgeting realistically.

Identifying areas where cost-saving measures can be taken and actively working to reduce those costs can help ensure horse ownership remains a sustainable and enjoyable activity for years to come.

Reminder on the Purpose of the Report

The purpose of this report is to provide cost transparency to horse ownership and the importance of bartering primarily during uncertain times like the COVID-19 pandemic. Horse ownership requires a significant investment of both time and money, and it is essential to have a plan in place to manage costs effectively.

Through temporary board arrangements and bartering for services and goods, horse owners can keep the costs of horse ownership manageable, even in challenging times. In conclusion, the COVID-19 pandemic has presented unprecedented challenges for horse owners around the world.

However, with careful planning, transparency in costs, bartering for services, and temporary board arrangements, horse owners can keep the costs of horse ownership manageable during these financially challenging times. The key is to remain flexible, open-minded, and willing to try new solutions.

Through these actions, horse owners can continue to provide their horses with the care they deserve and enjoy the many benefits of horse ownership.

Education Section

Riding Lessons during COVID-19

As the COVID-19 pandemic continues, it has impacted nearly every aspect of daily life, including horseback riding. With social distancing guidelines in place, riding lessons have adapted to provide a safer environment for both instructors and riders.

The main adjustment for riding lessons during the pandemic is the emphasis on individual lessons instead of group lessons. This limits the number of people present during the lesson and ensures that all riders maintain a safe distance from one another.

Additionally, horseback riding facilities have increased their cleaning procedures, making sure to sanitize all equipment and surfaces before and after each lesson. With many riding facilities adapting to the new normal, it is important to check with your preferred facility to determine their specific safety procedures.

It is also important to follow all guidelines established by the facility to maintain a safe and healthy environment.

Horseback Riding Boot Recommendations

Horseback riding boots play a crucial role in the safety and comfort of riders. It is important to choose the right boot for the job, as horseback riding can put a lot of strain on the feet and legs.

Here are some recommendations for horseback riding boots:

1. Tall Riding Boots Tall riding boots not only provide full coverage of the calf but also offer extra support and protection when riding.

These boots come with a heel, which prevents the foot from sliding too far into the stirrup. 2.

Paddock Boots Paddock boots are a more versatile option for horseback riding. They are shorter than tall riding boots and can be worn both in and out of the saddle.

Paddock boots also offer good ankle support and are designed to grip the stirrup. 3.

Western Boots Cowboy boots are a popular option for horseback riding because of their style and function. They offer excellent ankle support and have a sturdy heel that helps prevent the foot from slipping forward.

It is important to keep in mind that whatever boot you choose, you should make sure they are comfortable to wear and provide adequate support. Choosing the wrong boot could lead to discomfort, pain, or even injury.

Health Section

Procedures for Keeping Horse


Keeping your horse healthy is a top priority for any horse owner. Here are some procedures to follow to ensure your horse stays healthy and happy:


Regular Veterinary Care Regular check-ups with a veterinarian are essential for maintaining your horse’s health. During these check-ups, the vet may give your horse vaccinations, perform dental checks or provide general health maintenance.

2. Proper Nutrition Providing your horse with a well-balanced diet is critical for their health.

This includes access to good quality hay, feed or supplements as needed, and plenty of clean water. 3.

Exercise Exercise is important for maintaining overall health and wellbeing in horses. Regular exercise can help prevent obesity, improve cardiovascular health, and build muscle tone.

4. Proper Grooming Regular grooming helps to maintain the health and appearance of your horse’s coat.

Grooming also helps you to observe any changes in your horse’s skin or coat that might indicate health problems. 5.


Stabling Keeping your horse’s stable clean and well-maintained is essential to their health. A clean stable helps to prevent the spread of disease and reduces the chance of accidents or injury.

6. Regular Foot and Hoof Care Proper foot and hoof care are important to overall horse health.

This includes regular farrier visits, daily foot and hoof care, and monitoring for signs of lameness or other foot-related issues. By following these procedures, you can help ensure your horse stays healthy and happy for many years to come.

Don’t hesitate to seek out professional advice when necessary, and never overlook even the smallest of health concerns. Your horse deserves the best care you can provide!

Fun/Agearn/Insurance Section

Insurance Policies

Insurance is an essential part of horse ownership, as it helps protect both you and your horse in case of an accident or injury. Here are some common types of insurance policies:


Liability Insurance Liability insurance protects you in case your horse injures someone or damages property. This type of insurance can provide legal representation if you are sued and can cover expenses such as medical bills or repairs.

2. Mortality and Major Medical Insurance Mortality and major medical insurance cover your horse in case of illness, injury, or death.

Major medical insurance can cover expenses such as surgery, medication, or therapy, helping to provide the best care possible for your horse. 3.

Horse Trailer Insurance Trailer insurance provides coverage for your trailer in case of damage or theft. This type of policy can include comprehensive, collision, or both, depending on your needs.

4. Tow Vehicle Insurance Tow vehicle insurance provides coverage for your vehicle while towing a horse trailer.

This insurance can offer valuable peace of mind, as it covers accidents, damage, or theft of the tow vehicle.

Roadside Assistance

Roadside assistance is a valuable service for horse owners, especially those who frequently travel with their horses. Services often include towing assistance, emergency fuel delivery, and battery jumpstart.

US Rider Equestrian

Roadside Assistance Membership is a popular option for horse owners and offers dedicated services specifically designed for horses and trailers. Their services can come in handy during an emergency and help ensure a smooth and safe journey for both you and your horse.

Stabling Section

Boarding Arrangement and Inclusions

Boarding your horse requires careful consideration and planning. When selecting a boarding arrangement, it is important to understand what is included to ensure the arrangement is suitable for both your horse and your budget.

Here are some common inclusions to consider:

1. Access to Water Access to a clean and fresh water supply is essential for horse health and wellbeing.

2. Hay and Feed Providing adequate and appropriate feed is necessary for maintaining horse health.

Make sure to ask about the type and quality of feed provided and if supplements are available. 3.

Stabling and Turnout The stabling option should be clean, secure, and well-ventilated. The boarding arrangement should also include regular turnout, allowing your horse to stretch their legs and stay active.

4. Care Boarding arrangements should also include regular care to ensure your horse’s health and safety.

From daily stall cleaning to regular vet checkups, make sure to ask about the level of care provided by the boarding facility. 5.

Access to Amenities Depending on your horse’s needs and your preferences, you may want to select a boarding arrangement with access to amenities such as an indoor or outdoor arena, a round pen, or hot water wash racks. In conclusion, horse ownership comes with many responsibilities, including proper insurance coverage, emergency roadside assistance, and selecting the right stabling arrangement for your horse.

By understanding these aspects of horse care, you can help ensure that your horse stays healthy and happy for many years to come. Don’t hesitate to seek advice from professionals or experienced horse owners, and always prioritize the needs of your horse in any decision-making process.

Travel Section

Traveling with your horse can be a fun and exciting experience, but it can also be costly. From fuel to food to lodging, the expenses can add up quickly.

Understanding how to calculate travel expenses and how COVID-19 has impacted travel can help you better plan for your trips. Calculation of

Travel Expenses

Calculating travel expenses is essential when planning a trip with your horse.

This includes accounting for fuel costs, food and lodging fees, and any other expenses you may incur. One essential tool for calculating travel expenses is the IRS mileage rate.

This rate is used to calculate the deductible costs of operating a vehicle for business, medical, or charitable purposes. To calculate the IRS mileage rate, you will need to know the number of miles you travel and the current rate per mile.

The rate

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