Abstract: This invention provides complete coverage of the underside of a horse's belly, such that insects will not be able to access and irritate any portion of the belly, sheath (on male horses) or teat (on female horses) area, including the area between the front legs and the hind legs. The belly protector consists of two main components: A belly piece and a harness. The belly piece is a generally rectangular shaped mesh that is held closely to the horse's belly with a harness. The harness has cross straps, crupper and neck strap, to provide stability and security of the belly piece while it is on the horse. The belly protector protects the sensitive belly area from biting insects that cause severe irritation in some horses. The belly protector can be used in any situation that requires protection for the belly.