Four year old goes out the dog door at night to chase critters on the fence. She jumps up
6 feet high and lands on a 3 foot bamboo plant stake - right up
her anus. Surgery #1 to remove the stick which impaled 10" into her body: $1,000. Surgery #2 to fix the rectal tear, 24/7 nursing for 4 days, massive amounts of IV and oral antibiotics: $6,000. She's doing great now.
These are the kinds of situations that most pet policies are set up to handle.