My dog bit down wrong on something and fractured several teeth. We rushed her to the vet, where we were told she'd need to have them removed. It was very expensive, but it was necessary, so we moved forward. I was skeptical insurance would cover it; friends always told me horror stories of claims being denied. But we sent in the itemized receipt, and 2 weeks later, we had a check in hand for everything but our deductible. Very pleasant surprise! It was a lot of money we didn't think we'd see again.