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Ace returns to Miami and lays out Finkle's motive to Lt. Einhorn. The hypothesis is that Finkle kidnapped Snowflake because the dolphin was assigned Finkle's jersey number 5 and taught how to kick a field goal, which Finkle took as an insult. Searching for Ray Finkle, Ace enters Shady Acres, the mental hospital in Tampa from which Finkle escaped. Ace searches the storage room and finds a box of Finkle's belongings. Looking through it, he finds a newspaper article stating that Lois Einhorn was a missing hiker whose body was never recovered. Ace calls Emilio, who looks through Einhorn's desk, finding a love letter to Einhorn from Podacter, evidence that Einhorn might have killed Podacter. While trying to determine how Finkle and Einhorn were connected, Ace's dog puts his head down on a picture of Finkle, whereupon the dog's hair alters the image of Finkle's head, so that he looks like a woman. Looking at it, Ace realizes that the lieutenant is actually Ray Finkle posing as the deceased Lois Einhorn. Ace's sense of triumph is quickly replaced with disgust after realizing that he had kissed a man disguised as a woman, since he and Einhorn made out earlier. Ace follows Einhorn to a warehouse by the docks. After knocking out Einhorn's henchmen, he finds Dan Marino tied up, but is himself caught by Einhorn. When the cops arrive to arrest Ace (on Einhorn's orders), Melissa and Emilio stop them. Ace explains Finkle's motive and that Einhorn is actually Finkle. No one believes him; therefore Ace attempts to find proof by (unsuccessfully) attempting to expose a telltale male feature. He first tries to pull off her hair but it is real. He then rips open her shirt to prove that she has no breasts but it turns out that she does. So he then rips her skirt off to reveal her penis to everyone and uses the ripped skirt to smack her on her butt. He again fails because although she is wearing panties she clearly appears to have a vagina. Throughout this, Einhorn appears to be shaking a lot, makes some strange faces, has her legs crossed and keeps bobbing slightly. Suddenly Marino who is slightly behind Einhorn calls Ace over and whispers something. As it turns out Einhorn had learned to tuck her penis and testicles between her legs to hide them. The faces she was making where most likely a result of when Ace spanked her with her skirt. He probably hit the tip of her penis and she could not touch it to relieve the pain without maybe drawing attention to it so that was her only outlet. She had crossed her legs to try and squeeze it so no one would notice and the bobbing was an attempt to use her body to pull her penis between her legs and out of sight from both angles. Unfortunately due to the size of it, she is unable to. At one point she makes a very noticeable jerk back. This may have been either her last attempt to pull on it or she may have given herself an orgasm from all the squeezing. Either way she was unable to hide her penis and Ace turns her around to expose her true identity. Einhorn makes one last attempt to kill Ace, but is thrown into Snowflake's makeshift tank and exposed as the owner of the ring of the missing stone before being arrested.
Ace Ventura (Jim Carrey) is a private investigator living in Miami, Florida, who specializes in retrieval of tame or captive animals. Despite the success of his methods, he does not receive many assignments and therefore cannot pay rent or repair his battered 1970's Chevrolet Monte Carlo. His eccentricities make him the laughingstock of the Miami-Dade Police Department.
At Joe Robbie Stadium, Snowflake (the bottlenose dolphin mascot of the Miami Dolphins) is kidnapped two weeks before the team is due to play in the Super Bowl. The Dolphins' owner Mr. Riddle believes the team will lose the Super Bowl unless Snowflake is returned. He orders his head of operations Roger Podacter (Troy Evans) and chief publicist Melissa Robinson (Courteney Cox) to find Snowflake. Ventura is hired to solve the case and discovers his first clue in the form of a rare triangular-cut orange amber stone, which he speculates to have fallen from a 1984 AFC Championship ring. Ventura then tries to find his culprit by tricking each member of the championship squad into showing their rings. Despite locating every player on his list, he is unable to locate the ring missing a stone.
Later, Podacter mysteriously falls to his death from his apartment, which Robinson and Ventura go to investigate. Although Miami Police Lt. Lois Einhorn (Sean Young) insists it was suicide, Ventura proves it was murder. While trying to find how Podacter's death is connected to Snowflake's disappearance, Ace becomes romantically involved with Meissa. He learns of a former Dolphins kicker named Ray Finkle, whom he missed during his earlier investigation because Finkle was a mid-season replacement. Finkle had missed the potentially game-winning field goal kick at the end of Super Bowl XVII, causing the Dolphins to lose the game and his own career to fail. Finkle's entire home town turned against him and his family, and the demoralized Finkle became obsessed with Dan Marino, whom he blamed for the missed kick. Upon learning that the team gave Snowflake Finkle's number and taught him how to kick a field goal, Finkle went insane.
Having discovered Finkle's obsession with Marino, Ventura is sure Finkle is the culprit but cannot find him. Ace also believes that Finkle was the one that murdered Podacter when Podacter found out who he was. Ace tells Einhorn the information about Finkle, causing Einhorn to kiss Ace for his detective work. Later Ace and Melissa go to a mental hospital at Tampa where Finkle was last seen eight years ago. Ace poses as a mental patient and searches Finkle's belongings, discovering a newspaper article about a missing woman coincidentally named Lois Einhorn. Ace calls Emilio (Tone Lōc), a detective friend of his, and tells him to look for clues to a relationship between Einhorn and Finkle. Emilio tells Ace that he found a love letter from the deceased Podacter in Einhorn's desk. Studying this, Ventura realizes to his disgust that Lt. Lois Einhorn is actually Ray Finkle in transgender disguise. Ace, who is disgusted by this because he found out that he kissed a man spent the entire night vomiting, washing his mouth and burning his clothes.
Ventura then follows Finkle to an abandoned dock where he finds a kidnapped Marino and Snowflake. Ace and Finkle fight each other, with Ace seemingly outmatched by the lady kidnapper. When the police arrive, Finkle (as Einhorn, but visibly shaken) orders them to shoot Ace. Ace explains Finkle's plan to the police and disrobes the unresisting Einhorn item by item to show she is actually a man; he is at first unsuccessful, as all of her anatomy proves to be feminine and real, but finally with Marino's help he demonstrates conclusively that Einhorn is male. Ace then realizes that Roger Podacter was killed by Finkle, with the help a of the love letter found in Einhorn's desk, because the former had "found captain winky", while the police react in disgust at the revelation. Einhorn/Finkle makes one last desperate attempt to stab Ace with a piece of glass, but Ace knocks Finkle off the dock and pulls off his championship ring and the ring is missing a stone, the one that Ace was looking for since he began the case. Ace closes the case.
Marino and Snowflake return to the stadium in time for Super Bowl XXVII between the Miami Dolphins and the Philadelphia Eagles. At halftime Ventura attempts to capture a high-reward albino pigeon that was the subject of another case he was handling, but is prevented by the Eagle's mascot. Enraged, Ventura beats the mascot, while being thanked on the JumboTron for saving Marino and Snowflake.
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