Abstract: A saddle with gel-cushion for providing comfort to the user comprising a saddle tree formed of a rigid material having an upwardly extending front edge, a rearwardly extending back edge and sides; a flexible sheet material covering the tree on the lower surface of the tree and the upper surface of the tree and coupled around the periphery thereof to encompass the tree; a pocket formed beneath the sheet material and the tree; a pocket formed beneath the sheet material above the tree and between the material of the flaps; a bladder formed of a liquid impervious material having an exterior sheet and interior sheet and secured around the periphery thereof located within the pocket; a plurality of horizontally disposed channels formed in the bladder by lines of connection coupling the exterior and interior sheets of the bladder along spaced horizontal lines; and a quantity of gel material located in each of the channels adapted to deform under pressure created by the person riding on the saddle for increased comfo