Hollard Travel Insurence just dont care.

Hollard Travel Insurance is the wost insurance ever. I called them after an accident on the snow and they told me to go to ER. I did, and they made me xray, and gave me a knee brace. I just had a ligament sprain. I went home and after i return from my trip, two/three months after, they told me i had to pay 2500dollars, for the 900 dollar brace and the 1600 for beeing in the ER for half an hour sitting on a bed.(to be honest, for amount of money you have to work for one year in my country) Since i had no broken bone, or anything listed on the policy, they didnt cover it. But my anger is, why did they told me to go to ER when this could have happened?, knowing its not always covered. I told them this and they said i never called them, theres no record of that coversation and they i may have called my other insurance (cause yes, i had two just in case and I COULD HAVE USED THE OTHER ONE if i knew they where not gonna cover. I dont have record of the conversation because it an old phone number but they knew the owner cause he had surgery there (which by the way didnt cover it either-76k). And to add something, i friend had a test for coronavirus, as urgent and didnt cover it either AND THEY GAVE ME 5 DAYS TO PAY IN THE MIDDLE OF A PANDEMIC!!!! Cmon! Hope no one chooses this insurance ever. Have a nice day :)