Nah! As with any horse good management and a dose of luck determine how well they are - look at Over to You (19 at his last Badminton). My old TB is twenty and still full of beans!
I had this a few months back, and i got to a point where i slowed him down & considered buying a new horse next year!
My horse is 16 this year, and i was told most horses retire about now. i was heart broken
Having now spoken to LOTS of other people, i was told that he is in his prime, and has another 10 years left in him
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I lost my mare aged 10 following a tragic accident. I've got friends who have had to retire horses at 4 or 5yo. So in some respects she's right - you never do know when the end will come. However, you have two options. You can either live each day to the full, or you can give up.
Recommending not to provide said horse (who is to all extents and purposes in the prime of life by the way) new equipment when it needs it on the grounds that it could drop down dead and you wouldn't get much value for money out of it, is a bit of a strange one. Incidentally if the saddle doesn't fit, he's more likely to seem stiff when you ride him, regardless of what age he is.
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Exactly my sentiments - having lost a horse at 10 too and having to put my horse into a "trial" retirement at the age of 14 cause of a tendon injury.
No matter what age the horse and how ever much "working" life it has left in it, they deserve the best equipment.
I hope not - my Welsh Cob is 14 and behaves exactly as she did when she was 7. I suppose it depends on the breed, not sure whether a TB would age faster than my Welsh Cob (?) Even my 20 year old New Forest looks half her age and is ridden regularly so I wouldn't consider her 'old'.