Tim steps up Jade's training regimen when a fierce new competitor shows her up at practice. Meanwhile, Georgie is faced with a difficult decision regarding what she wants to do about her equine skills. Amy and Ty struggle to maintain a social life now that they are parents, but things don't quite go as planned. And Mitch tells Jack that he may not be cut out for the urban lifestyle he left Heartland for, which gets Jack thinking.
Life is hard on the Flemings' ranch in the Alberta foothills where abused or neglected horses find refuge with a kind, hard-working family. Debts abound and the bank is about to foreclose. Can they keep the ranch running?