Abstract: A horse blanket for placing over the top of a saddle which is mounted on the back of a horse. The saddle has a forward located saddle horn and depending saddle members which are subject to damage by contact with objects against which the horse may brush, especially in transporting the horse from place to place in a horse trailer. The saddle blanket has a back portion which contains a boot for fitting over the saddle horn and a neck portion for extending forward over the horse's neck and withers. Depending side portions are included on the blanket which extend downwardy to a level for completely covering the depending saddle members. A surcingle is attached to one of the depending sides of the blanket, having a free end for extending underneath the horse's belly. The other depending portion of the blanket as attached thereto means for receiving the free end of the surcingle and for fastening it thereto.