sick pony and injured horse

It all started a couple of weeks ago, Taani got a small swelling on one of her tendons, she wasn't lame so i kept her on quiet gentle exercise and lots of bathing + cooling gel and it seems to have come right.  On sunday last week we went to have a ride and she now has a nasty cough! I gave her the week off but its still there whenever she does anything more than wondering around the paddock so i've called the vet in and he's hopefully coming out on wed.

Amy and i were supposed to be competing today but on thursday night i had to scratch due to her having developed some swelling on the lower part of her tendon on one of her front legs. :(

I have been bathing that and using the cooling gel also with some time off from riding, she's not lame at a walk so thankfully it doesn't look too serious.

I suspect she may have had a battle with the fence because the lower wire was broken when i went down on thursday night also. So Amy vs Fence = nil all.

Now can somebody please tell me why when you finally get your horse into full work they injure themselves and there goes all the hard work? and why do they pick right before xmas to get sick and need a vet?

Lol oh well i still luffs them :)