Abstract: A saddle pad comprises an elongate insert having a pocket which has a size and shape which differs from the size and shape of the insert, and a flexible polymer gel pad of substantially the same size and shape as the pocket is positioned in the pocket. Plural shim pockets are also positioned on the insert pocket and shims may be positioned in some or all of the shim pockets to increase the thickness of the insert to reduce bridging of the saddle. A flexible shell having a pair of pockets of substantially the same size and shape as the inserts is provided and the inserts are positioned in the shell pockets through an opening in the end of each of the shell pockets. The saddle pad also includes an air channel which separates the shell pockets and which ventilates the spine of the horse.