Tag: horse ownership costs

  • Horse Vaccination Schedule for New Owners: Core Shots, Timing, and Budget

    Vaccinating your horse is one of the most important health decisions you’ll make as an owner. A proper vaccination schedule protects your horse from serious, potentially fatal diseases while also protecting the broader equine community. If you’re new to horse ownership, understanding which vaccines your horse needs, when to administer them, and how much they cost can feel overwhelming. This guide breaks down everything you need to know about developing and maintaining a horse vaccination schedule that keeps your horse healthy and your veterinary expenses predictable.

    The foundation of equine health starts with core vaccines—those recommended for all horses regardless of lifestyle or location. Unlike optional vaccines tailored to specific risks, core vaccines protect against diseases that pose widespread threats, are highly contagious, or cause severe illness. Most equine veterinarians across the United States follow guidelines established by the American Association of Equine Practitioners (AAEP), which ensures consistency and best practices in horse healthcare. Understanding these core vaccines, combined with a clear timeline and budget, empowers you to make informed decisions about your horse’s health with your veterinarian’s guidance.

    This article provides a comprehensive roadmap for new horse owners navigating vaccination decisions. We’ll explore the core vaccines your horse needs, the scientifically-backed timeline for administration, realistic costs, and practical tips for managing your horse’s vaccination records. While this information is educational and based on industry standards, it is not a substitute for professional veterinary diagnosis or advice—always consult your veterinarian to create a vaccination plan tailored to your specific horse, location, and circumstances.

    Understanding Core Equine Vaccines

    Core vaccines are those that veterinarians recommend for virtually all horses. The AAEP identifies the following diseases as core vaccination concerns: tetanus, equine encephalomyelitis (both Eastern and Western strains), West Nile virus, and rabies. These diseases are widespread, cause severe illness, and carry high mortality rates, making vaccination essential for every horse regardless of how it is used or housed.

    Tetanus

    Tetanus is caused by a bacterium, Clostridium tetani, which lives in soil and enters the body through wounds. Horses are highly susceptible to tetanus—far more so than humans—and a single puncture wound from a rusty nail or a laceration from barbed wire can prove fatal if the horse is unvaccinated. Tetanus causes muscle rigidity, difficulty swallowing, and respiratory failure. Mortality rates in unvaccinated horses with tetanus are very high. The tetanus vaccine is one of the most cost-effective disease preventatives available and produces long-lasting immunity.

    Equine Encephalomyelitis

    Eastern equine encephalomyelitis (EEE) and Western equine encephalomyelitis (WEE) are viral diseases transmitted by mosquitoes. Both cause inflammation of the brain and spinal cord, resulting in neurological symptoms such as fever, depression, ataxia (loss of coordination), and sometimes death. EEE is particularly severe; mortality rates in infected horses range from 50 to 90 percent, and survivors often suffer permanent neurological damage. WEE is slightly less severe but still serious. These vaccines are administered together in a combination product.

    West Nile Virus

    West Nile virus is also transmitted by mosquitoes and causes neurological disease in horses. Infected horses may show stumbling, weakness, muscle tremors, and an inability to stand. While not all infected horses die, the disease causes serious illness and lasting effects in survivors. Annual vaccination, timed before mosquito season, is the standard recommendation.

    Rabies

    Although less common than other core diseases, rabies is nearly 100 percent fatal once clinical signs appear. Horses can contract rabies from bites by infected wildlife, particularly raccoons, bats, and skunks. The rabies vaccine is inexpensive and highly effective, making it a prudent choice for all horses, especially those with access to pasture.

    Core Horse Vaccination Schedule for New Owners

    The vaccination schedule for a horse depends on whether the horse is a foal, a weanling, a youngster, or an adult with an unknown vaccination history. Most new horse owners purchase either a foal or an older horse, so we’ll address both scenarios.

    Foal Vaccination Schedule

    Foals receive maternal antibodies through colostrum (the first milk), which provides temporary immunity to diseases the dam was vaccinated against. This maternal immunity typically begins to wane at 4 to 6 months of age. To bridge this gap and ensure continuous protection, a foal vaccination program begins early and includes multiple doses.

    Age Vaccines Notes
    4-6 months Tetanus, EEE/WEE, West Nile, Rabies (first dose) Initial series; maternal immunity declining
    6-8 months Tetanus, EEE/WEE, West Nile (second dose) Booster 4-6 weeks after first dose
    10-12 months Tetanus, EEE/WEE, West Nile (third dose) Final dose of initial series
    12 months (1 year) Tetanus, EEE/WEE, West Nile, Rabies First adult annual booster
    Annually thereafter Tetanus, EEE/WEE, West Nile, Rabies Yearly boosters for life

    The rationale behind this schedule is straightforward: the initial doses (spaced 4 to 8 weeks apart) establish a robust immune response, while the booster at one year solidifies long-term immunity. After that, annual boosters maintain protection. Some veterinarians may adjust this timeline based on the foal’s age at first vaccination or maternal antibody levels.

    Adult Horse Vaccination Schedule (Unknown or Incomplete History)

    If you purchase an adult horse with an unknown or incomplete vaccination history, your veterinarian will recommend starting a vaccination series as if the horse were unvaccinated. This typically involves two initial doses administered 4 to 6 weeks apart, followed by boosters.

    Visit Vaccines Timeline
    Visit 1 Tetanus, EEE/WEE, West Nile, Rabies Day 0 (initial visit)
    Visit 2 Tetanus, EEE/WEE, West Nile 4-6 weeks later
    Visit 3 onwards Tetanus, EEE/WEE, West Nile, Rabies Annually, preferably in spring

    Annual boosters then continue indefinitely. Your veterinarian may adjust the schedule based on the horse’s age, health, and assessed risk factors.

    Timing and Best Practices

    The ideal time to vaccinate is in spring, before the peak season for disease-carrying insects and before major equine events. Many owners schedule vaccines 2 to 3 weeks before traveling to competitions or boarding facilities. Never vaccinate a horse that is acutely ill, severely stressed, or about to ship long distances; wait until the horse is settled and healthy. Some owners space vaccines across multiple vet visits to avoid administering too many vaccines on a single day, though this is a management preference rather than a medical necessity.

    Optional Vaccines to Discuss with Your Veterinarian

    Beyond core vaccines, your veterinarian may recommend optional vaccines based on your horse’s lifestyle, age, breeding status, and local disease prevalence. Common optional vaccines include:

    • Equine Influenza: Recommended for horses that travel, compete, or are boarded at facilities with frequent turnover. Highly contagious but less severe than EEE.
    • Equine Herpesvirus (EHV-1 and EHV-4): Causes respiratory disease and, in pregnant mares, abortion. Recommended for horses in boarding facilities, those that travel, and breeding stock.
    • Strangles (Streptococcus equi): Causes upper respiratory infection and abscessed lymph nodes. Recommended for young horses, those at boarding facilities, or in areas with documented outbreaks.
    • Equine Viral Arteritis (EVA): Primarily a concern for breeding stallions and mares. Causes fever, swelling, and abortion in mares.
    • Botulism: Recommended in certain regions and for horses fed haylage or large round bales, which carry a higher risk.

    Work with your veterinarian to evaluate which optional vaccines make sense for your individual horse and situation.

    Horse Vaccination Costs and Budgeting

    Understanding the costs associated with horse vaccination helps new owners budget appropriately. Vaccine costs vary by region, veterinary clinic, and whether the horse is seen for vaccination only or as part of a comprehensive wellness exam.

    Typical Cost Breakdown

    Service or Vaccine Approximate Cost Range Notes
    Veterinary exam and visit fee $100-$300 Varies widely by region and clinic
    Tetanus vaccine $15-$40 Usually combined with other vaccines
    EEE/WEE vaccine $20-$50 Combination product
    West Nile virus vaccine $20-$50 Often combined with EEE/WEE
    Rabies vaccine $15-$35 Usually least expensive core vaccine
    Equine influenza vaccine $20-$50 Optional; often bundled
    Strangles vaccine $25-$60 Optional; available as intranasal or injection

    A typical annual vaccination visit for an adult horse with core vaccines costs between $250 and $500, including the veterinary exam and all vaccine products. A foal series over 12 months might total $600 to $1,200 across three to four visits. An adult horse starting from scratch might spend $500 to $800 in year one for the initial series and spring booster.

    Budget Planning Tips

    • Schedule vaccines in early spring: Many veterinarians offer discounted rates or package pricing for spring vaccination clinics.
    • Combine with other health services: Scheduling vaccines alongside dental floating, deworming, or lameness exams can sometimes reduce total facility fees.
    • Ask about multi-horse discounts: If you own multiple horses, some clinics offer reduced rates when vaccinating several animals at once.
    • Keep records to avoid duplicate vaccines: Maintain detailed vaccination records to prevent paying for unnecessary revaccination.
    • Plan for unexpected visits: If your horse sustains a wound or is exposed to disease, additional vaccination or medical costs may arise. Budget accordingly.

    Maintaining Vaccination Records

    Accurate vaccination records are essential for horse health, liability, and compliance with facility requirements. Your veterinarian provides a record at each visit, but maintaining your own comprehensive file is equally important.

    What to Document

    • Date of vaccination
    • Specific vaccine product name and lot number
    • Route of administration (intramuscular, intranasal, etc.)
    • Veterinarian name and clinic
    • Horse identification (microchip number, breed registry, or photo identification)
    • Any adverse reactions or notes

    Store physical records in a fireproof location and maintain digital copies. Many horse owners use spreadsheets, notes apps, or dedicated equine health apps to track vaccination due dates and send reminders before boosters are needed.

    Frequently Asked Questions

    Can I vaccinate my horse myself to save money?

    While some vaccines are sold for farm use, self-administration is not recommended for several reasons. Improper injection technique risks abscess formation, nerve damage, or ineffective vaccine placement. Additionally, a veterinary examination during vaccination visits may identify other health issues. The modest savings do not outweigh the risks. Always have a veterinarian administer vaccines.

    How long does vaccine immunity last?

    Core equine vaccines typically provide protection for 6 to 12 months. Annual boosters are recommended to maintain peak immunity. Some horses in low-risk environments may be candidates for adjusted schedules, but this should be determined by your veterinarian, not on your own.

    What should I do if my horse has a vaccine reaction?

    Mild reactions such as temporary swelling at the injection site, mild fever, or lethargy lasting less than 24 hours are relatively common and self-limiting. Monitor your horse and provide comfort. Severe reactions—facial swelling, anaphylaxis, or reactions lasting more than a day—require immediate veterinary attention. Contact your veterinarian if you observe any concerning signs.

    Do pregnant mares need vaccines?

    Pregnant mares can receive most core vaccines safely, but timing matters. Consult your veterinarian about the best vaccination schedule for a pregnant mare; they may recommend specific products and timing to protect both the mare and the developing foal. Some vaccines are given at particular stages of pregnancy to maximize the antibodies passed to the foal through colostrum.

    Is the horse vaccination schedule different for senior horses?

    Senior horses (age 20 and older) can continue on the same annual vaccination schedule as younger adults. However, discuss any age-related health concerns with your veterinarian. If a senior horse has a chronic illness or compromised immune system, your veterinarian may adjust the vaccination plan or spacing between vaccines. Senior horses benefit from the same core vaccination protection as younger horses.

    Key Takeaways

    • Core vaccines—tetanus, EEE/WEE, West Nile virus, and rabies—are recommended for all horses and form the foundation of equine health protection.
    • Foals begin vaccinations at 4 to 6 months of age with an initial series of doses spaced 4 to 8 weeks apart, followed by annual boosters.
    • Adult horses with unknown vaccination history follow a similar protocol: two initial doses 4 to 6 weeks apart, then annual boosters.
    • Annual spring vaccination is the standard recommendation; plan vaccines 2 to 3 weeks before travel or major events.
    • Expect to spend $250 to $500 annually per horse for core vaccination at a routine vet visit; initial series costs are higher.
    • Maintain detailed vaccination records including dates, vaccine names, lot numbers, and veterinarian information.
    • Optional vaccines for influenza, equine herpesvirus, strangles, and other diseases should be discussed with your veterinarian based on your horse’s lifestyle and risk factors.
    • Always consult your veterinarian for a vaccination plan tailored to your specific horse, location, and circumstances; this article is educational only and not a substitute for professional veterinary advice.
  • First-Time Horse Owner Starter Guide: What to Do Before You Buy

    Buying your first horse is an exciting milestone, but it requires careful planning and honest self-assessment. Many new horse owners discover after purchase that they underestimated costs, overestimated their riding experience, or lacked adequate facilities. This first-time horse owner starter guide walks you through the essential steps to take before you buy, ensuring you make an informed decision that sets you and your horse up for success.

    Whether you dream of trail riding, competing, or simply enjoying equine companionship, the foundation begins long before you sign a purchase agreement. Horse ownership demands a significant investment of time, money, and physical effort. By completing the steps outlined here, you will avoid common pitfalls, understand your true budget, and know exactly what kind of horse matches your experience level and goals.

    The goal of this first-time horse owner guide is to equip you with the knowledge and checklists you need to make a confident, responsible purchase decision. Let’s start at the beginning.

    Assess Your Riding Experience Honestly

    Before shopping for a horse, you must accurately evaluate your own riding skills. This is the most common area where first-time horse owners overestimate themselves, leading to injuries, dangerous situations, or a horse that does not match their ability.

    Define Your Experience Level

    If you have never sat on a horse, you are a beginner. This is not shameful—it simply means you need a calm, forgiving horse and must commit to lessons with a qualified instructor. Beginner horses are typically older (10+ years), have extensive experience, and possess calm temperaments. They are also more expensive than untrained or young horses because their value lies in their reliability.

    If you have ridden occasionally at camps or on guided trail rides, you have basic experience but likely lack the skills to handle a spooky, stubborn, or untrained horse. Intermediate riders—those with consistent riding experience over 2+ years—can handle horses with minor behavioral quirks but should avoid young or “green” (recently trained) animals.

    Only advanced riders with 5+ years of consistent experience should consider owning young horses, project horses, or highly sensitive animals. Be honest: your first horse should be forgiving and safe, not a career-building challenge.

    Take Lessons Before You Buy

    Do not skip this step. Spend 6-12 months taking lessons at a boarding facility or riding school before purchasing. During this time, you will:

    • Build foundational skills and muscle memory
    • Learn how horses think and behave
    • Discover what riding style appeals to you (English, Western, dressage, trail, etc.)
    • Develop a relationship with a qualified instructor who can advise you on buying
    • Figure out if horse ownership is truly a long-term commitment for you

    An instructor becomes invaluable once you are ready to buy. They can accompany you to pre-purchase evaluations, assess a horse’s suitability for your level, and help you avoid scams or unsuitable animals.

    Create a Realistic Budget

    Horse ownership costs extend far beyond the purchase price. A first-time horse owner must budget for purchase, facilities, veterinary care, farrier services, feed, hay, equipment, and insurance. Many new owners are shocked by the true annual cost.

    Purchase Price and Hidden Costs

    A beginner-suitable horse costs $3,000 to $10,000 on average in the United States. A well-trained, calm older horse with excellent conformation may cost $8,000 to $15,000. Premium or competition-bred horses run $15,000 and up. Budget an additional $500-$2,000 for a pre-purchase veterinary examination, which is non-negotiable—it can detect lameness, dental problems, or health issues the seller may conceal.

    Other upfront costs include:

    • Saddle, bridle, and basic tack: $1,000-$3,000
    • Halters, leads, grooming supplies: $300-$500
    • Blankets and turnout gear (depending on climate): $400-$1,200
    • Transport to your property: $1,500-$5,000

    Annual Operating Costs

    Plan on spending $4,000 to $10,000 per year on a single horse. If you board at a facility, this single line item typically costs $300-$800 monthly. If you own the land and keep the horse at home, costs are lower but require you to cover all care yourself. Review the annual budget breakdown below:

    Category Annual Cost Range (Home or Pasture Board) Annual Cost Range (Full Board Facility)
    Board / Land and facilities $0 (own land) $3,600-$9,600 (monthly)
    Hay and grain $2,000-$3,500 Included or minimal
    Farrier (shoeing/trimming every 6-8 weeks) $1,200-$1,800 $1,200-$1,800
    Veterinary (routine care, vaccines, dentistry) $800-$1,500 $800-$1,500
    Emergency/colic/illness reserve $1,000-$3,000 set aside $1,000-$3,000 set aside
    Insurance (mortality and liability) $150-$500 $150-$500
    Supplies, bedding, repairs $500-$1,000 Minimal
    Lessons / training $1,000-$3,000+ (recommended) $1,000-$3,000+ (recommended)

    A horse kept on your own property typically costs $5,500 to $10,000 annually if you manage all care. A boarded horse in a full-care facility costs $7,000 to $15,000 yearly. These figures do not include specialized services (farrier with special shoes, joint injections, chiropractic) or emergency surgery, which can cost $3,000-$15,000 in a single incident.

    Set an Emergency Fund

    Always maintain a separate emergency fund of at least $3,000-$5,000 for unexpected veterinary expenses. Colic, lameness, wounds, or dental emergencies happen without warning. If you cannot afford emergency care, you cannot afford a horse.

    Prepare Your Facilities

    If you plan to keep your horse on your own property, you must have safe, adequate facilities before bringing the animal home. Inadequate fencing, shelter, or water is dangerous and may violate local animal welfare laws.

    Fencing Requirements

    Horses need secure fencing at least 4.5-5 feet high. Approved materials include:

    • Post and rail (wood or vinyl): most attractive and horse-safe
    • Welded wire or stock panels with top rail
    • Electric fencing (only if at least two strands and properly maintained)

    Never use barbed wire, which causes serious lacerations. Inspect all fencing for gaps, sharp edges, broken rails, or sagging sections. Horses will escape or injure themselves on poor fencing. Budget $8,000-$20,000 to fence 2-3 acres adequately.

    Shelter and Storage

    Your horse needs a 3-sided run-in shed or barn for protection from extreme weather. The minimum shelter size is 12 feet by 12 feet for one horse, though 12 by 16 feet is preferable. The shelter should have good drainage, no sharp protrusions inside, and adequate ventilation.

    Separate storage for hay (to keep it dry and away from the horse) and grain prevents spoilage and waste. A 12 by 16 foot shed or corner of a barn suffices for basic supplies.

    Water and Pasture

    Horses drink 5-10 gallons of water daily depending on activity and temperature. If you lack a natural water source (stream, pond), you must provide automatic waterers or fill troughs at least twice daily. In winter, heated waterers prevent freezing. Pasture should be safe—free of toxic plants like sorghum, milkweed, locoweed, and white snakeroot—and provide adequate forage. Overgrazed, muddy, or weedy pastures are unsuitable.

    Understand Veterinary Care Requirements

    Horses need regular veterinary care to stay healthy. Establish a relationship with an equine veterinarian before you buy your horse, and understand the baseline care every horse requires.

    Annual Preventative Care

    Every horse needs:

    • Vaccinations (rabies, tetanus, Eastern/Western equine encephalitis, influenza): $150-$300 annually
    • Dental examination and floating (filing sharp enamel points): $150-$300 annually
    • Fecal exam to check for internal parasites: $25-$75
    • Deworming, typically 2-4 times per year: $50-$100 per treatment

    These are non-negotiable baseline costs. Neglecting vaccinations, dental care, or parasite control leads to serious illness.

    Lameness and Joint Care

    As horses age, joint issues are common. Many 10+ year old horses develop arthritis or stiffness. Be prepared for potential joint injections ($500-$2,000 per joint), radiographs ($200-$400 per set), or specialized shoeing ($50-$150 extra per trim). Ask the veterinarian during a pre-purchase exam whether the horse has any pre-existing lameness or joint concerns.

    Choose Your Veterinarian

    Interview local equine veterinarians and select one before you need emergency care. Ask about their availability for emergencies, their approach to preventative care, and their experience with your intended use (trail riding, English riding, Western, etc.). A good veterinarian is your partner in keeping your horse healthy.

    Plan for Training and Ongoing Instruction

    Even if you buy a well-trained horse, you should continue receiving lessons. Instruction is not optional for a first-time horse owner—it improves your safety, your horse’s behavior, and your enjoyment.

    Budget for Lessons

    Private lessons cost $40-$100 per hour depending on your region and instructor experience. Group lessons are $25-$50 per hour. Plan on weekly lessons (at minimum) for the first 1-2 years after purchase, costing roughly $2,000-$5,000 annually. This is an investment in your safety and competence.

    Consider a Trainer

    If you buy a young or partially trained horse, budget for professional training. A trainer may charge $1,500-$5,000 monthly for full-time training, depending on location and reputation. For a first-time owner, this expense is often unnecessary—buy a finished horse instead and invest in lessons.

    Select the Right Horse

    Armed with honest self-assessment, a realistic budget, and prepared facilities, you are ready to begin looking for a horse. Keep these criteria in mind.

    Age and Temperament

    A beginner’s first horse should be 8-15 years old with a calm, willing temperament. Older horses (15-20 years) can be excellent if they are healthy and sound, but veterinary costs may increase. Avoid young horses (under 8 years) unless you are an experienced rider—they are unpredictable and prone to behavioral problems.

    Temperament is more important than flashy appearance. A calm, safe, forgiving horse is worth far more than a beautiful but anxious or stubborn animal. Watch how a horse responds to new situations, handling, and basic grooming before riding it.

    Physical Soundness

    A pre-purchase veterinary examination is mandatory. The veterinarian will evaluate the horse’s overall health, check for lameness under saddle and at a trot, perform flexion tests, examine the eyes and teeth, listen to the heart and lungs, and may recommend radiographs or ultrasound if concerns arise. This exam costs $500-$2,000 but prevents thousands in future problems. Never skip it.

    Riding Suitability

    Ride the horse multiple times before buying. Try it in different environments, at different speeds, and in situations similar to how you plan to ride. Ask the seller how the horse behaves on trails, in groups, alone, and with spooky objects. If the seller refuses to let you ride extensively or makes excuses, walk away.

    History and Documentation

    Request the horse’s medical records, vaccination history, and ownership documentation. Ask about any past lameness, injuries, surgeries, or behavioral issues. Get everything in writing. If a seller is evasive or dishonest about history, do not proceed with the purchase.

    Prepare Your Mindset and Schedule

    Horse ownership requires daily commitment. Horses need care 365 days a year, including holidays, vacations, and illness.

    Time Commitment

    Plan on 1-3 hours daily for basic care: feeding, watering, grooming, mucking stalls or picking pasture, and riding or lunging. If you board, daily time commitment is reduced but still includes at least 30-60 minutes per day for riding and groundwork. You cannot neglect a horse for weeks and expect it to remain healthy or well-behaved.

    Arrange Backup Care

    Before you buy, identify someone who can care for your horse if you become ill, travel, or face an emergency. This person must understand basic horse care and be willing to step in. Many boarding facilities include care in their fees, which simplifies this need.

    Frequently Asked Questions

    How much does the average horse cost?

    A beginner-suitable horse costs $3,000-$10,000 on average. Well-trained, calm older horses may cost $8,000-$15,000. Competition or premium horses cost $15,000 and up. The purchase price is only a fraction of total ownership costs.

    What breed of horse is best for a first-time owner?

    Quarter Horses, Paints, and Appaloosas are calm, forgiving, and common in the United States. Thoroughbreds and Arabians can be suitable if they have calm temperaments and adequate training. Avoid hot-blooded or flighty breeds unless you are an advanced rider. Individual temperament matters far more than breed.

    Can I keep a horse on a small property?

    Horses need a minimum of 1-2 acres of pasture for one animal, plus additional acreage if you lack facilities for hay storage or turnout. A small property is possible if you provide grain supplementation and rotate pasture carefully, but a 5+ acre property is ideal. Check local zoning laws—some areas restrict horse ownership by property size.

    Do I need to buy a young horse to bond with it?

    No. Adult horses form strong bonds with owners through consistent, kind handling. An older horse is far safer and more reliable for a first-time owner. Save the young horse ownership experience for when you have 10+ years of experience.

    What should I do if my horse gets colic?

    Colic is a veterinary emergency. Call your veterinarian immediately and note the horse’s behavior, vital signs, and any changes. Do not delay. This is not a substitute for veterinary diagnosis and care—colic requires immediate professional evaluation and treatment. Without proper care, colic can be fatal.

    Key Takeaways

    • Honestly assess your riding experience and take 6-12 months of lessons before buying a horse.
    • Create a realistic budget: expect $4,000-$10,000+ annually depending on boarding and facilities.
    • Prepare safe facilities before bringing a horse home: secure fencing, adequate shelter, clean water, and safe pasture are non-negotiable.
    • Establish a veterinary relationship and budget for annual preventative care, vaccinations, dental work, and emergency reserves.
    • Plan for ongoing lessons and training—this investment improves your safety and enjoyment.
    • Select a calm, well-trained, healthy horse 8-15 years old suited to your experience level.
    • Never skip a pre-purchase veterinary examination; commit to daily care and arrange backup caregivers before purchase.
    • Understand that horse ownership demands significant time, money, and commitment, but the rewards of partnership with a horse are profound.