It happened to a friend of mine who just happens to live in florida. She had gotten up for work and saw the frog in the toilet. Seh kept flushing like you had and finally her husband wondering why she was flushing so much went to check on her. He did the same as your husband which was grab the frog and toss him out the door. Now anytime I'm in FL, I make sure to check the toilet before I sit down.