When Stevie Lake injures herself and can't ride for a while, the other two members of the Saddle Club, Carole Hanson and Lisa Atwood, make a pact not to ride until Stevie has recovered. After all, they're the Saddle Club, and they always stick together. To seal the pact, the girls decide that if any of them break the vow, they'll have to ask stuck-up Veronica DiAngelo to join their club. That'll keep them out of the saddle for sure! But can three horse-crazy girls really stay away from horses and riding for more than a day?