Insurance is usually about serious things — car accidents, home damage, or health emergencies. But sometimes, claims are so unusual they make you wonder if they’re real. Around the world, people have filed bizarre and hilarious insurance claims that were, surprisingly, often paid out. Here are some of the weirdest cases — and what they can teach you about reading your policy carefully.
1. The Stolen Dentures (UK)
A man in England claimed his dog stole his false teeth and buried them in the garden. The household insurance actually covered the replacement because “personal items damaged by pets” was included in his policy. Lesson: Always check the small print — you never know what’s covered.
2. Skiing with a Twist (Switzerland)
A tourist in Zermatt filed a claim after being knocked over by a runaway St. Bernard dog on the slopes. His travel insurance paid for medical treatment because “animal-related accidents” were not excluded. Lesson: If you’re active in Switzerland, make sure your travel or accident insurance covers unusual sports mishaps.
3. The Falling Coconuts (Australia)
One woman claimed for head injuries caused by a falling coconut while on holiday. Her insurer covered the hospital bills under “unforeseen events” in her travel policy. Lesson: Exotic trips can come with unexpected hazards — check your travel cover before you go.
4. The Vanishing Wedding Cake (USA)
A couple filed a claim after a deer wandered into their outdoor wedding reception and ate the wedding cake. Their wedding insurance paid for a replacement cake and some of the ruined decorations. Lesson: Event insurance can protect you from more than just cancellations.
5. The Mistakenly Dyed Cat (Germany)
A woman claimed after accidentally spilling hair dye on her white Persian cat, turning it bright pink. The pet insurance covered part of the cost for grooming and treatment. Lesson: Pet insurance can cover more than just medical bills — sometimes even beauty emergencies.
Conclusion
While these bizarre claims make for a good laugh, they also show how important it is to know exactly what your policy covers. Whether it’s a rogue St. Bernard in the Swiss Alps or a deer with a sweet tooth, having the right coverage — and reading the fine print — can save you from unexpected expenses.
