John Quincy Archibald is a father and husband whose son is diagnosed with an enlarged heart and then finds out he cannot receive a transplant because HMO insurance will not cover it. Therefore, he decides to take a hospital full of patients hostage until the hospital puts his son's name on the donor's list.

In the South Pacific island of Makatea, career-driven magazine editor Robin Monroe is on a week-long vacation getaway with her boyfriend, Frank Martin. An emergency work assignment in neighboring Tahiti requires Robin to hire the cantankerous pilot Quinn Harris who had flown them to Makatea on a small transport plane. While flying, a powerful storm forces Quinn to make an emergency landing on a nearby deserted island. The dissimilar pair avoid each other at first, until they're forced to team up to escape from the island -- and some pirates who want their heads.

An earthquake shatters a peaceful Los Angeles morning and opens a fissure deep into the earth, causing lava to start bubbling up. As a volcano begins forming in the La Brea Tar Pits, the director of the city's emergency management service, working with a geologist, must then use every resource in the city to try and stop the volcano from consuming LA.