This is the frightening moment a woman suffered life-changing injuries when a horse she was riding became spooked and fell on top of her in a pond. Kelly Sword, 21, was riding her grandmother’s horse Izzy when the 1,100lbs animal “flipped out", pushing its rider beneath the water of a shallow pond. College student Kelly said she feared for her life when her foot became trapped in the stirrup, and she found herself beneath the belly of the adult horse. Kelly, of Groveland, Florida, USA, said she believes her horse was “spooked” by a light below the water’s surface.