The only way to insure that you don’t fall off of a horse is to make sure you never get on one in the first place.  By improving your balance and seat through lessons you will minimize the likelihood of this happening.

However, you should always take the proper precautions by using the appropriate equipment.  The most important thing you can do is to WEAR A HELMET. An interesting read on equine related fatalities outlines just how not wearing a helmet increases the likelihood of death should a fall occur, http://www.mc.uky.edu/traumaservices/prevention/TFequestrian137.pdf.
When looking for a helmet, make sure that it is an ASTM, SEI helmet.  A riding helmet is the best protection to minimize the chance of a life altering brain injury, or worse, death.

Never let someone talk you out of wearing one. Don’t worry what it looks like, or what anyone else thinks.

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