The District Interclub Competition is about to take place at Pine Hollow. Stevie is dared by the boys to rough ride. They are so impressed at her zip they invite her to be the third rider on their team in the Willow Creek Time Trial.
When Stevie gets injured, Carole and Lisa offer to stop riding, out of solidarity. Stevie thinks this is a silly idea, but Veronica realizes she can work the angle when she sees a magnificent racehorse brought to Pine Hollow.
The Saddle Club happen upon a disused gold mine and hear its history from Jess's grandfather, an ex-circus strongman called Orlando. Veronica heaps scorn on the old timer, so the Saddle Club resolves to teach her some manners...but things come unstuck.
Having forged a bond with Midnight, Simon cannot stomach the thought of the beautiful horse being put down...so he resolves to do something about it - and the Saddle Club are quick to involve themselves in a good cause.
Carole develops allergic symptoms and fears she has an allergy to horses. She swears Lisa and Stevie to secrecy, but they worry that the allergy is making Carole an unsafe rider. Could this be the end of the Saddle Club?
When Veronica removes Trouble from the stables, she upsets the miniature donkey and his companion Danville Duchess, who escape on a cross country adventure. Only Jess and Melanie's detective work can find the donkey.
Devastated after failing his Bernouli Training School audition, Jack tries to resign from Pine Hollow. Wanting him to stay, the Saddle Club convince Max to let Jack work in the office and try to reignite Jack's love of horses.
Trapped at Pine Hollow due to flash flooding, the students are forced to endure a sleepover. When Desi goes hyper after she thinks she's eaten paprika, she takes delight in telling everyone how it really is.
Stevie and Lisa have an argument on the Saddle Club Anniversary, it looks like the group could be splitting up. It is up to Carole to make the girls look beyond their differences and remember their love of horses, in order to save their friendship.
As part of their final assessment, the Pine Hollow students take part in an overnight endurance ride. But when the group start bickering and Garnet goes missing, the students must use their survival skills and teamwork to find the horse.