Thanks for all the replies. Funny story: The vet came out on Friday, and before he arrived, I was brushing my horse, trying to figure what the heck happened to cause the lump. (No pain, soreness, marks, or anything on his back or side where the initial bulge was.The girth was toward the front of his body). So then I remembered about 2 years ago he had a swollen area/welt on his neck that was the size of my hand. No shots were given... and I figured he was bitten by a spider or something stung him.That swellilng subsided rather quickly too... so anyway, while I was brushing I asked my friend, "I wonder if he got bit by something..." (It was so puzzling that there was no pain or abrasions, etc.)
Anyway, the vet arrives and says, "bug bite".
I guess it was just a coincidence that it happened the day after the saddle incident. Lucky Beau he is.
Now, we will see today if he is wiggy about having a saddle on!
Have a good week everyone!