Stevie tries to use Belle in her lesson, but Belle’s not ready. Carole is angry with Veronica about her neglect of Garnet. Carole overhears that Max has something wrong with his heart and tells everyone. Carole and Veronica get into a high stakes bet where the loser has to leave Pine Hollow. Carole has to not talk to Lisa and Stevie and Veronica has to take care of Garnet. Everyone tries to help Max, but just makes more work for him. Stevie and Lisa are upset about the way Carole is treating them. They don’t understand. A horse Carole is taking care of, Higgins goes missing and she can’t tell her friends. Veronica cheats on her duties with Garnet. Carole decides the horse is more important than winning the bet and asks the Saddle Club for help. They find the horse. Max begs everyone not to help and Veronica’s cheating is exposed so Carole can stay at Pine Hollow.
Based on the series of popular books for young readers, The Saddle Club follows the lives of three aspiring equestrians developing their riding skills at Pine Hollow Stables. Each of the girls has assorted personal baggage: Tomboy Stevie's impulsive nature gets her into constant trouble, Carole rides to overcome a family tragedy, and Lisa is an overachiever with a social-climbing mother. Despite their problems (and the schemes of a spoiled rich rival, Veronica), the girls' love of horses and strong friendship with one another is always enough to help them overcome any obstacle.