Paying for a Warranty I don't Have

So so from February to date I have been paying for a cover I thought was Warranty only to be made aware the other day when I call that infact it's not a stand alone cover and I should have another one in place. I then obviously requested them to cancel and humbly requested refund. They obviously refused to refund me. I have other covers with the same company and I am seriously asking myself if I should trust them and continue with them and take me hard earned money elsewhere. Let me shop around and decide.