Tricks not to pay claims

I have never been so frustrated in my life, Budget Insurance was best at giving a quick quote but when it comes to claims they will do everything in their power to make sure they do not pay you. I submitted a claim on the 7th of November 2021 and till today still a whole run around with claims, I submitted everything they requested and they just keep looking for something else just so that they can get a loop hole, its been over two months and in most cases the senior consultant is not helpful at all, she never responds to emails or even pick up my calls I had to even call the claims customer center to get feed back and for three weeks I was told the case is with the manager only to receive an email today from the senior consultant who just never responds requesting something else. A lot of people advised me that budget is the worst I now believe it specially if you are a black person.