Horvat was born on April 28, 1928, in what was formerly Abbazia, Italy, and is today Opatija, Croatia. Following the completion of his studies in Milan, Horvat began to teach himself photography. After spending a year in London, he moved to Paris in 1955, where he lived until his passing on October 21, 2020. Till the late eighties, fashion and commercial photography remained his main areas of activity. After that, personal and free projects became more important.