When I lived in Austin, a raccoon snuck into my house via the cat door along with two of her kits one night. After giving my cat the fright of his life, she jumped on me from her perch hanging from a corner of my ceiling (!) and scratched me. Insurance company initially didn't want to cover my 10 minute hospital visit and rabbies shots and sent me a bill for around 35k. Then, magically, they decided they would cover it.

I was a grad student at that time making 18k per year - in retrospect, that bill could have truly messed up my life, and it all hinged on the whims of some anonymous insurance company employee. And that raccoon's poor decision-making, I guess.