Not reliable and bad communication!

I have had problems with discovery from day one. Communication is bad and now that I actually needed them, they seem to be having “connection issues” just when I get to the root of my problem. I was involved in a smash and grab, went to the hospital and they said I am not cover here but somewhere 45 minutes away(bear in mind I had my head smashed up really bad) and I knew that was impossible because, when I signed up I looked to make sure I would be covered in general areas I went to. I then went to my gp and he said go to the nearest hospital now because, you could need a head scan(as we all know a head injury is not something you mess with). I was not covered at the hospital but they said it’s a head injury so it is classified as an emergency so you should be cover. I am luckily okay but when I spoke to discovery they said I am not covered because, I was not dying or loosing a limb. The hospital could not get a hold of them and the system for my discovery plan was telling me to go 45 min away. I then find out I was covered at 3 places in the area all 10 min away from where I was. So now I have to pay the hospital and am not covered all because, their system did not work. They don’t answer emails and always cut out in calls when I say I don’t want this happening to others and if it’s happening to me it’s happening to others ...so how can we fix this and of course, no response...