The common practice of rugging horses, when applied inappropriately, can cause overheating and welfare compromise more serious than cold exposure in most temperate climates.
Over-rugging is a more common welfare problem than under-rugging in most of the UK's temperate climate. Horses under heavy rugs in mild autumn and winter conditions sweat, develop skin infections, and experience thermal discomfort that owners attribute to cold. The correct rugging decision requires assessment of temperature, wind, rain, and whether the horse is clipped — not simply the calendar date or outdoor temperature. Under-rugged clipped horses in genuinely cold conditions lose body condition as they divert energy to thermoregulation. A pragmatic rugging guide based on temperature, clipping status, and body condition score provides better welfare outcomes than either systematic heavy rugging or year-round turnout without protection.