Two men are fishing on a boat when one of them begins to talk about how thankful he is that AFLAC pays cash. The AFLAC duck jumps into the boat to hand the man some cash, when the other friend fishing asks if all major medical coverage is enough. At that moment, a hole appears with water bursting through the hull. The man begins to rattle off a list on what holes insurance will and won't cover. More holes breach the hull while the AFLAC duck struggles to plug them all. With all his limbs being used to cover the holes, one more appears and the duck sticks his head through to plug the hole.