Use washable paint to paint your horse like a giraffe then you dress as a zoo keeper. Beige breeches and boots will fit in fine - wear a safari-style shirt and cover your helmet so it looks like a pith helmet.
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I saw a super fun one of Harry Potter on a griffon - they covered a slinky with feathers and added wings to the horse, and the rider was in a Hogwart’s robe, etc. Great costume, but I wouldn’t want to jump in it!
Another fun one that is to paint a skeleton on a black horse and the rider is some sort of ghoul or witch. Or black dots on a white horse and the rider is a fireman. Hippies, Indians, fairies can all be done fairly easily by painting designs on the horse and not overly elaborate rider costumes.
Have fun, and please post pictures!
