I did already book the horseback ride for my family.They don't require payment till 2 weeks before your date. All the cruise people are picked up at the port so you wouldn't be alone. I'm not worried about being 30 min away from the ship cause Disney cruise is there so late that date.You also get to gallop the horses on the beach.
Can you share which company you used - my DD wants to do horseback riding
Thanks

through a local dealer that does tours of the island.