When Carole finds out that she's going to Florida for a winter holiday, she's thrilled. She'll miss her horse, Starlight, but she knows that Stevie and Lisa, her best friends in The Saddle Club, will take good care of him while she's away. And her cousin Sheila has made plans for several fun activities, including a day at a popular theme park, a big family reunion and, best of all, the chance to ride along Florida's beautiful sandy beaches. But Carole's ride along the sunny coastline turns out to be much more exciting – and frightening – than she ever imagined...