My scariest moment was actually not in saddle. It was spring shot time and Walka, my 16 h 2" gelding, is absoultely terrified of vets/shots. My previous vet who did very well with Walka unexpectatly died a week before our appt. So I called another vet who was recommended by a friend I trusted.
Well, she was very nice and all but was a bit timid around
Walka (couldn't blame her, he was bug-eyed scared). Long story short, picture 6 - 8 inch thick spring MUCK, me holding the lead line and suddenly Walka goes to jump in my direction to get away from the vet.
I go to move out of the way and can't, feet firmly stuck in the muck. Front hoof hits me in the forehead on my way down and after that I just lay there waiting for it to be over, one way or the other.
Will always remember the look on her face, probably thought I was dead because I never moved an inch during the trampling. Up popped my head, covered in muck and blood and then I openned my eyes, all you could see where the whites of my eyes! Walked away from that one.
Side bar: my skin afterward never looked so good. Can understand why some women do mud treatments!