All of the above for me, (except for their horse, I have mine own). I have even had my lesson cut to 45mins, due to having a goal. We wanted to end the lesson on a good note that time. However, we have also gone longer in some other lessons to 1 1/2 hour.
Call the trainer and ask how she/he does it. My granddaughter's lessons are 1/2 hours for private instruction. She does this for at least a month, then she moves into 1 hour lessons in group.