I disagree with ex-racer’s post above do a degree. It’s better to get your vet’s opinion than a surgical vet. The surgical vets get paid to cut. I’ve almost never had a surgical vet not recommend surgery. Regardless of the severity of a chip, they always generally say the same things “it may not be painful now, but it will at some point” or “if it moves another 2 millimeters it’s going to become a problem”.
I agree with the surgical vets to a degree, but not everyone can thrown down $1,500-$2,000 to remove a chip.
Just as a note, I did have my regular vet examine the x-rays and based on her opinion, I allowed her to forward the images to the surgical vet. My regular vet knows I am not independantly wealthy and offered a few recommendations. I elected to have the procedure done because I intend to keep my horse for a long time but want for him to be as comfortable and usable for as long as possible. I thought it was a sound decision for us both and it was not taken lightly!
I agree that not everyone can afford to have surgery for their horse, but not everyone can afford to keep a horse that they can’t ride, if that is important to them. I am suggesting spending a couple of hundred dollars to save yourself from possibly spending thousands down the road, plus any heartbreak that would ensue. My $700 “bargain” has cost me more money than I care to acknowledge.
I also know that plenty of horses do have chips in various joints that never cause them a bit of trouble and if one doesn’t have to have them removed due to location, size, whatever, then you probably should leave well enough alone :). I just think that knowing exactly what is going on, in this case, since you already know there is something in there, is to the OP’s benefit before they take ownership and become financially responsible for the animal. I speak from experience!
Lest anyone get the wrong idea and think that I am not one of the COTH enablers, I absolutely would love for the OP to be able to get the horse.