Denial of a surgery for a 4 year old-PMB declined

So, Discovery are more than happy to leave my four year old child with a scar on his face caused by trauma from a dog bite which is a PMB, and is an open wound. They are giving us nothing but grief and turning down an operation that will help the scar to stop contracting and causing further issues on his face. You are more than happy to take my money every month but when we need this surgery, you decline. You are such a heartless company.