Anything you’re not financially prepared for could be considered an emergency. But significant life events are generally what you should be using these funds for, like:
Losing your job—this is the most important emergency to prepare for, as this impacts your ability to pay for your normal expenses.
Broken appliances
Medical emergencies and unexpected bills
Car breakdowns or repairs
A death in the family
Unexpected travel due to a family emergency
Pet emergencies and vet care
Natural disasters