The crossword solution for the term 'Saddle Accessory' is 'PAD'. A PAD is a piece of equipment used to provide cushioning and protection between the saddle and the horse's back. It is usually made of foam, felt, or other materials and is designed to absorb shock and reduce pressure on the horse's back. Pads are an essential part of any horse's tack and can help to ensure a comfortable ride for both horse and rider.