"What do you mean the vault is empty?!"
"Just that, sir. It's empty."
"There was a half tonne of gold coins in there! Did you see a cart? Any orcs or ogres? A dragon?! It's not like it just got up and walked away!"
In the middle of an unimportant combat with some bandits a burst of wild magic transforms all of the PCs and their opponents in to random animals and monsters. They retain their intelligence (though not, of course, the ability of speech). They can either carry on the combat in their new forms, panic, or otherwise react how they see best. After about an hour, they return, unharmed, to their normal form.