GLenruby - I think you are right. Maybe I haven't given it enough time to heal yet. My YO suggested I put surgical spirit on it to harden the skin in the girth area. I haven't done this yet.
He has never had a girth rub before. Maybe I overloaded myself with looking at google images...
The horse I have on loan (had him for 2.5 year) has a patch behind his armpit and just in front of his girth that I though was a girth rub. I am now beginning to think it could be a verruccous sarcoid (I have been googling).
I first noticed it a week ago after a hack and thought it was a...