If you do find yourself approaching a horse from behind, even on a road, make yourself known by making a noise from as far away as you can be heard (by the rider, at least). I don't mean bellowing things that would scare the horsey, but just something like a slighly louder than usual spoken "bike coming" or something. Do slow down too, but you don't have to crawl past.
If the rider knows you're there then they can do whatever the horse needs to be less spooked, turn it slightly so it can see you coming, for example or move it more to the side.
They'll appreciate it and you won't have to deal with a damaged animal/person on your conscience. The horse may still be a spacker, because it's a horse, but at least the poor lass (usually) on top will be prepared
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