Falsely informed

I joined getsVvi 3 months ago with a three month waiting period. Payment was debited from my account for the past 3 months and nobody informed me that there are no pharmacies that i can purchase from in North West /in Klerksdorp where i live. A few days ago i made a claim to purchase and only today i was told that i cant purchase from any pharmacy around me. Had i known about this i wouldn't have taken up the policy. I want all my money back for the past three months. Please help me get my refund because o was told i can purchase from my nearest pharmacy. Ive never used the policy i was only starting now with the purchase claim.