We did Ginger's Horses in Mazatlan and we did go through the surf. It was a great ride and the horses are well taken care of. It is outside of town and the surf is pounding - not a snorkel beach. We got a suburban tour guy right after we got off the ship adn he knew were they were - they all did - and we paid $17 a person for about an hour and 20 min.
We are looking at doing this in Belize on our next cruise in April. I read some great reviews about the tour. They take you into the rainforest and it is a 2 hour horseback ride. We'll see...
I had to do it too because of the Titanic movie!
I couldn't do it in the regular caribbean ports because we won't give up scuba diving or snorkeling for it. Debbie