Discovery travel insurance issues, dont believe them as they wont pay you

I am giving this negative review because I was promised that If I bought plane tickets through discovery travel with my discovery credit card that I would be given travel insurance for my trip. I verified this with them by calling and speaking to 3 different call agents. I had active travel insurance with Discovery.

The problem comes when I tried to claim. My first flight was overbooked flight:BA58 and I was kicked off the flight, even though I tried to check in early online and got to the airport 5 hours before my flight. My second flight BA42 was delayed by over 24 hours.

When I called discovery to notify them of this issue and to let them know that I would be claiming, it was incredibly hard to get to the right person that could help me even after getting transferred a total of 14 times over 8 phone calls.

I was told "discovery will only pay the shortfall that British Airways dont pay", which imp**** that if British airways paid some compensation that Discovery would cover the shortfall. British airways did pay a small amount of compensation, that covered around 2/5's of the flight value. I was told I "would be fully covered" , I was also told "dont worry your travel insurance will sort it out". So naturally I thought I would be covered.

I have emailed Discovery to make an official claim to which I was told "Kindly be advised that we unfortunately do not provide coverage if the flight was overbooked"

So I asked if I would be covered for my second flight that was delayed over 24hrs, their response was "In our travel insurance policy, travel delay is only applicable if the delay occurred outside of South Africa, unfortunately delays that occur while in South africa is not covered."

I feel like I have been taken advantage of and **** to by Discovery. I will never be using their travel insurance as they promise more than they deliver. I feel like I have been treated unfairly as a customer and all the recorded phone calls that I have made with Discovery dont align with what they told me in the mails.

Lastly another lady on the support call told me that discovery travel insurance is actually done by Hollard and that they dont cover full travel insurance as its a secondary insurance on behalf of hollard not through discovery.

Lesson learnt: dont take travel insurance with discovery, rather get from a proper real company. Dont believe what they tell you on the phone, even though the calls are recorded.