Angry client in terrible pain

I am a member of Momentum Health 4 Me and I fell on Saturday and my fingers could still move. Sunday and Monday I could not use my hand and I was with my kids , a 10 year old ,2 year old and my 8 year old fortunately for me my son was helping me with the babies as I couldn't do anything. Today my husband came and took me to the Dr and the Dr referred me to a radiologist who confirmed that my finger is fractured. My doctor then referred me to Rosepark Hospital and the lady at Reception assisted me and call Momentum.

The lady on the other side of the phone asked the lady to hand the phone over to me and she asked me why I didn't not call within 72 hours, which is something that we were never informed of in the beginning but non the less I'm still within the 72 hours that she is talking about and I'm in terrible pain.

She claims that I'm covered for accidents but I'm not regarded as an emergency.