I would try "desenstizing" her to the saddle by having someone hold her on a long lead while another person approaches with the saddle. If she starts to freak out, let her move around but keep the saddle (make sure it is a light one because this might take awhile) next to her. Be safe! When she stands still and acts calm, praise her and back the saddle away. Keep doing this until she realizes it isn't going to eat her.
Just my thoughts on it.
Imagining life without a horse is like imagining life without food, water and air.