Amelia Gladstone is excited about the new life she and Aunt Neda will soon begin in America. Mr. Chapman, a man with whom Amelia has been corresponding, is eager to meet her. He’s so eager, in fact, that he purchased second-class passage for her, Aunt Neda and her cousin Henry on a glorious new ship called the Titanic. When Henry gets arrested the night before the voyage, Amelia finds herself with an extra ticket.
Amelia and Aunt Neda board the ship in wonder, hearing murmurs from other passengers about how the liner is supposedly unsinkable and indestructible. Amelia sees a raggedy man being thrown from the ship as he’s sneaking on. Always eager to help the less fortunate, Amelia offers him her extra ticket.
The would-be stow away, a man named Quentin Walpole, hesitates but accepts Amelia’s gracious gift. She has her cousin’s clothing sent to this man’s room so he will be suitably dressed. Once cleaned up and wearing Henry’s things, he’s still cautious and doesn’t want to be noticed. He knows many of the people in first class because his father, C.J. Walpole, and brother, Damien, have done business with them. The last thing Quentin wants is to be recognized. Many of these people have heard rumors about what he’s done, beginning with how he inadvertently caused his mother’s drowning death as a child. They’ve heard how he demanded half of his father’s estate and went off on his own, living richly and recklessly. Many don’t know how far he’s fallen, that he’s been living on the streets after his business failed and the money dried up. Getting to America to start a new life is his only hope.
Amelia tours the ship, admiring the handiwork and watching the wealthy, prominent people board. From his position in first class, Damien Walpole notices her and admires her beauty. Amelia wonders if Mr. Chapman, a reliable banker, will be someone she can love. Being on a ship, she can’t help thinking of her mother, Emma. Emma was a stewardess on ships for years. When Amelia was only 6, Emma felt the call of the sea again and left her daughter with Aunt Neda. Amelia hasn’t seen her mother since.
As Amelia makes an effort to know Quentin, he’s reluctant to let her near. Their attraction is clear from the start, but Quentin knows he isn’t good for her. He’s already hurt too many people who love him. She promises to help him not be noticed.
Amelia strolls up to the forbidden first-class deck to help a friend retrieve a book. There, she sees a man she believes to be Quentin and calls out his name. It turns out to be Damien. Standing nearby, C.J. Walpole begs her for information about his son. Does she know Quentin? Has she seen him recently? Is he OK? C.J. has long prayed for his wayward son to come home. Amelia wants to tell him his son is aboard the ship, but she’s promised to keep his identity a secret.
Seeing an opportunity to get to know the beautiful woman he’d spotted earlier, Damien invites Amelia to dinner in first class. Amelia enjoys Damien’s attention and the elegant surroundings of first class, though she feels out of place. She still wonders about Mr. Chapman. More than that, she thinks of Quentin. She wonders why he seems so resolved not to reunite with his family. Although Damien’s attention grows, and he expresses interest in Amelia, she realizes he’s too rooted in his social status for her comfort. He’s always watching others to see what they’re doing or thinking. Amelia explains this is why their relationship must not go any further. She returns to second class, where she begins spending more time with Quentin. Despite his misgivings, Quentin can’t help falling for the sincere, caring woman he calls his angel of mercy. He offers full disclosure of his past, including what he’s done to his father and his life of debauchery. Amelia tells him how Christ’s love will cover all his sins. He prays for God’s forgiveness.
The next day, a church service is held in first class. It is the one onboard event where all classes are invited to participate together. Amelia and her aunt, along with other worshipers, celebrate as C.J. sees Quentin, runs to him and holds him while they weep. Damien is unhappy with the turn of events. Not only does he fear Quentin will break their father’s heart again, but he’s also angry that his wayward brother has stolen the heart of the woman he wants. C.J. immediately orders the best stateroom and new clothes for his son. He says he will throw a party on the ship like no one has ever seen.
Amelia is proud of Quentin, knowing it took courage for him to reveal himself. On the deck, she and Quentin talk about what will happen when they reach New York. It’s chilly outside, and the ship seems to be slowing after scraping against an iceberg. Initially, no one is alarmed since the ship is unsinkable and has many safeguards in place. But chaos soon ensues, and passengers are ordered to the decks to put on lifejackets. Quentin and Damien both help third-class passengers escape while trying to ensure their father is safe. C.J. ends up on a lifeboat with Amelia and Aunt Neda. But as they watch the Titanic sink into the dark waters behind them, they believe all hope is lost of seeing the brothers again.
Before the boat goes down, while there are still lifeboats to be had, Damien stabs Quentin and beats him unconscious. What appears to be an act of sheer rage turns out to be one of mercy and love for C.J. Walpole. Because Quentin is wounded, Damien is able to place him on a lifeboat meant only for women and children. Damien goes down with the ship, singing his favorite hymn. In New York, Amelia discovers that Quentin is alive and Mr. Chapman has already fallen for his cook. Quentin and Amelia respectfully remember Damien and his sacrifice as they plan their future together.