My husband went horse back riding on our first day...

My husband went horse back riding on our first day at the resort. After 20 minutes, the saddle came loose and he fell from the horse to the ground. He couldn't golf and we couldn't go for a hike as we planned.
Ends up that the stable folks lied and said he dismounted and then fell so that they have no responsibility. The insurance folks disallowed the claim and would not pay for the doctor visit and X-Rays.
The management gave him the run around but finally gave us two free nights in the future where we have the opportunity to spend another $500 at this dump. Other reviews said they nickel and dime everyone with charges for internet and expensive drinks...and we agree.