Kate Winthrop's sizable inheritance was stolen by her ex-husband. So she does what any wronged woman would--she gets even. When she breaks in to his empty house, she stumbles onto a large sum of her money. She takes it and boards a boat destined for the Caribbean. All Kate wants is a place to hide. She doesn't expect the other passengers to become friends, and she certainly doesn't expect to fall in love with the ship's captain, Cole Hunter. Although Cole seems to return her feelings, he has a tough time trusting, since he's also been betrayed by an ex. But secrets can be hard to hide, and they could ruin everything between Cole and Kate.