not 300 a month, 300 a YEAR. They bill yearly. The company I am going with covers all vet care costs and requires just a copay (probably 40-80).
Also, learn a lot of horsemanship skills. Verse yourself in riding all kinds of horses, because if your budget is low and your skill is high the only option is either a very old horse you will have to retire within a few years, or a young horse who is very green and needs training. The retiree will probably be less expensive than the young horse, as i found out, but you'd be stuck caring for a horse you can't ride, versus having a (hopefully) long time with a horse you can, and then there retirement is well worth it.
Don't turn your nose up to a horse in need, or a rehab case. But be forewarned: you must a) know the horse will get better (most cases this is swampy), b) have enough understanding of equine medicine/vet care/anatomy to know what is healing and what is not, c) come to peace that the horse may never be ridden, especially if you pick a harder rehab case. These horses tend to be very cheap and there is a good reason why, BUT many times all they require is a year off the owner did not want to provide, or special diagnostics/tests/therapies that owner couldn't afford either. And when I say afford, it's probably in anyone else's budget. The ones who require extremely expensive treatment are almost always free, so keep that in mind. Sometimes they require a new riding style the owner refuses to partake in, as they no longer can compete the same as before.
Don't look at what is presented to you, look at what it COULD be. If you go to an auction and a large, 17 hand horse who is skin and bones with an empty gaze walks onto the stage, imagine what he would look like healthy and strong. Likewise, if you are looking at a horse who is young and tearing around a xc field, imagine yourself taking care of a bowed tendon, a suspensory injury, a fracture. Is this something you'd be willing to do to own a horse like that?
Last edited by thecolorcoal; 12-15-2017 at 05:48 PM.