Hello, Johnwarndt52 let me see if I can help I will use the horse in this example most characters can add animation in a few ways.
1. Place the character in the scene make sure its selected right click and choose perform choose the desired animation to play.
2. You can go to the animation tab and look for the pack's name you just purchased, you can either double-click or drag the animation clip on top of the character.
3. You can even animate it yourself using different methods it all depends on the type of character if it's rigged or not, you can even animate props.
I hope this has helped some.
Best Regards
Kevin L
Warped Reality VFX.