What's your friend's experience level of riding? A lot of things can happen when inexperienced riders get on a horse, and it's always the horses fault. Horses like people have personalities and sometimes the rider and the horses don't go together.

It's unfortunate that your friend got hurt, but he's the one that decided to get on the horse. They sell adventure travel insurance for instances just like these.

Last edited by taylorce1; 11/08/15. Reason: deleted bad info