Inserts not included. They are available to purchase separately from Jen x equine site. I never needed them so I always used the pad without inserts. Beautiful plush sheepskin on the entire underside of the pad. Made in the USA. Fits endurance saddles, some round skirt western saddles (awesome for those that use y rigging) and larger English style saddles. Please check measurements in the photos and make sure it will fit whatever saddle you are using. Purchased new directly from the Jen x equine site. Retail was around $300 when purchased. There is no other USA made pad that I know of that offers a full genuine sheepskin underside. Most are just along the top of the back. It has a nice subtle curve to the spine to keep pressure off the top of the withers. You can find more details about these spectacular pads on her website if you Google jen x saddle pads. I used it with an 18 inch seat forward flap jump saddle and it fit beautifully. Has Velcro back for adding optional fitting shims or inserts. Fantastic moisture wicking sage green top. The color looks grey in the photos but there is a very slight green tint to it. The person who makes these pads called it sage green but it looks mostly grey to me. Sheepskin is supportive and flexible so it molds to your horses back. Pure sheepskin is also known for its heat dissipating properties. Only reason for selling is I'm exclusively trail riding now and need a more square pad with coverage under my saddle bags.