Thanks for all the replies. Allie's lessons are actually an hour and a half, much of that time is spent grooming, tacking, untacking etc. She's actually on the horse for about 40 minutes. She is a quick learner and has a good attention span. So maturity-wise, she's fine. I'm not a smother-mother... lol. When she told me about her spill, I just said, "wow, that happens, it's the first of many falls". She didn't cry or get spooked by the fall. But she did say that she doesn't want to ride that horse again. He's kind of hard to ride and somewhat lazy. So she may request a change of horse. We'll see.
Thanks esp for the bit on the life lessons. I've heard before that girls who are horse crazy tend to stay out of trouble. While that's not my first intention, it's a bonus for sure. We feel fortunate that we can give her this opportunity. It isn't cheap, but I think it's well worth the money, if she is reaping the rewards from it. She definitely wants to continue, and so I'll support that, but the last thing I want is a kid in a wheelchair because I let her choose a risky sport. But it can happen in nearly any situation. I do enjoy going to the barn with her, watching her groom and get on this gigantic animal. It's definitely a trip, I've never been a horse person myself, but I get it. I really get the appeal. Thanks again.