Here's a helpful suggestion for you. After you meet the horse and feel comfortable getting on his/her back, ask the owner to give you a refresher course on the basics. Then have her lead you and the horse saddled and bridled with a halter and lead rope until you feel more confident to ride on your own. But remember, there is always a risk when you ride for a whole variety of things to happen. If the owner is a responsible horse person, she will assess your riding abilities as well as the horses. That being said, there's risk even when you cross the street, have lots of fun, be gentle on the horses mouth with your reins, and stay balanced in the saddle. Have fun, Beth PS WEAR A HELMET!