Failure to inform client on all travel insurance options

My complaint goes 2 ways. Neither Discovery Credit Card nor Chubb travel insurance when I enquired about the product advised me of top up insurance. If I knew there was top up insurance available, I would have purchased it. Chubb and Discovery can kindly listen to any calls I made enquiring about the insurance I receive when making a booking with my Discovery Black card

Now that I need the insurance I'm told I'm not covered, that what I'm claiming for is only available in the top-up insurance.

I'm tired of insurance companies not being open and honest and transparent and declining to assist clients in these tough times.