Inconvenience services

I always praise dischem Kaelo insurance until last week Wednesday where I was seriously sick but because they didn't approve the nearest GPS from my area I couldn't get help, instead I had to go purchase medication by the nearest pharmacy on own. I really don't think this will help as one wouldn't know when he/she will get sick. I mean how would you expect one to make appointment first for such unforseen circumstances. I'm disappointed by how these people operates. What's the use if I can't use their services if needed