The story of three heroines, Stevie, Carole, and Lisa, who form The Saddle Club at the Pine Hollow Stables. Each character has a distinctly different personality, but share an equal love of horses and a strong loyalty to each other.
Lisa's first day at Pine Hollow Stables is a disaster until she's befriended by Carole and Stevie, who come together to form the Saddle Club.
When Carole learns that the local thoroughbred breeder plans to send his injured horse, Prancer, to the slaughterhouse, the Saddle Club take desperate action to save the animal.
When the Pine Hollow Stables go on an overnight mountain trail, Veronica's attracted to Phil, the property owner's son, but he only has eyes for Stevie. Veronica arranges to "get lost" so that Phil will rescue her, but her make-believe comes true.
When Veronica's horse, Cobalt, returns to camp riderless, the Saddle Club, together with Phil, put themselves in danger to rescue Veronica.
When Phil and his Pony Club come to Pine Hollow to participate in a mystery weekend to raise funds, they discover there is a real thief in their midst and the Saddle Club set out to catch the culprit.
Max reversed his decision to sell Prancer after the horse saves the girls from certain death by killing a poisonous snake.
The girls have to teach teenage heart-throb Skye Ransom how to ride to save his movie career.
Carole is devastated when Cobalt is fatally injured through Veronica's negligence.
Carole comes to terms with her mother's death and the loss of Cobalt and she discovers Delilah is pregnant by Cobalt.
Phil solves the mystery of Prancer's altered personality and sluggish performance.
Red's runaway cousin, Liam, causes disruption at Pine Hollow, but redeems himself when he helps Lisa who is in grave danger from acute appendicitis.
The birth of Delilah's foal helps the Saddle Club girls solve their differences.
A horse switch plan by the Saddle Club girls goes awry and Stevie and Phil call a truce.
Stevie tracks down a legendary 'phantom horse' that has been roaming the countryside. She rescues the neglected mare, names her Belle and is going to keep her.
Stevie was to return a reluctant Belle to its owner. When the mare escapes, Stevie finds her and the pair are allowed to stay reunited.
Veronica bets Carole that she can do her own work for the day if Carole can stay away from the Saddle Club for the same period. The loser leaves Pine Hollow.
Max fires Red for neglecting his duties when a fire starts in the barn, endangering all the horses.
City girl Deborah proposes to Max and he accepts.
The girls arrange a "Fright Night" for the annual costume party but are really terrified when they encounter a ghost and Lisa and Carole disappear.
Kristi gets a "big head" when told she is a natural horse whisperer and is going to be a part of a television show, but the Saddle Club and a horse make her see sense.