When it comes to pet insurance, we all expect the unexpected. But Nationwide’s Hambone Award finalists take that to a whole new level. From dogs with a taste for rocks to parrots with a flair for toe acrobatics, these pets have turned their lives into a series of unfortunate—and highly unusual—events. If you’ve ever thought your pet was high-maintenance, just wait until you hear about these critters.

Nationwide shares most unusual pet insurance claims of the year