Abstract: A protective cover for use with a riding saddle includes a flexible central panel having side panels depending from its respective opposite sides for enclosing the stirrup leathers of the riding saddle. The flexible central panel has a sleeve attached to a front portion for receiving a saddle horn. According to this arrangement, the cover adjusted about the saddle by a drawstring inserted therethrough a casing defined by a folded edge of the flexible central panel, which permits the protective cover to be fitted onto riding saddles of different sizes. In order to maintain a snug fit of the flexible central panel to the riding saddle, the flexible central panel also includes elastic webbing, allowing the protective cover to conform to the complex curvature of the saddle.