Dotsure is only vaccines and neutering - they don't pay anything else!

I joined Dotsure pet in 2018. In 2023 my little yorkie was struggling to breathe one evening when we rushed him to the closest emergency vet. The bill came to R15000 and dotsure only paid R7500 of the claim. After that when I claimed his medicine I was told that we reached the threashold of the year for medicine. So all other meds were paid out of my pocket. When I claimed 2024 meds now in May it was rejected again and after phoning about 5 times I was told that a chronic condition will only be paid once. In other words - once a lifetime and no chronic condition will be paid after the first time. My advise - once your fur baby gets a chronic condition - cancel the medical aid - no use!!!! My other doggie was put down earlier this month. Before we put her down - she was rushed to the vet with a broken jaw! They only paid for the putting down. R8000 claim and only R935 paid! We had to check if we couldn't save her before putting her down so we had to do x-rays. No radiology and no visit paid. Only the putting down! Horrible!