LIVID!!! DISAPPOINTED CANNOT EVEN DESCRIBE IT!

I was SO impressed at the way One Plan handled their customers at the beginning! So friendly, helpful and humble until 31st July 2017 turned into a stretched out, tardy affair. I took out Pet insurance for both my doggy and cat - What a disaster it has been from the get-go! - Firstly a more expensive policy was loaded on their system then what i asked for- they fixed that atleast but then... - A Naedo debit order went off 31st July 2017 but the first debit order was scheduled for 01 September (Inception date) - for weeks no one rep**** or got back to me regarding my refund which I was entitled to, just to find out today that someone added a policy (Which was confirmed is still pending and not even active yet) under my Husband's name for 01 August 2017 without his or my consent. That is why the debit order went off 31st July. How can you deduct money for a policy that isn't even active and the customer know nothing off? Now to Cancel my Policy (Or in this case two policies now) i have to pay a R100 cancellation fee but my inception date was 01/09/2017 - im still in a cooling off period! One Plan refuses to Pay my refund for the debit order that went off for the August policy which someone at One Plan added on our behalf without our consent. - To make it all worse 12 month pre-existing conditions were added onto my policy for my dog for: Cruciate Ligament Repairs, Hip Replacements and Luxating Patella. NEVER has my doggy ever had hip problems, ligaments that needed repairing as well as kneecap dislocations! 12 Months is a long period of time and to place conditions onto an animal that had none of those conditions is disappointing! I don't know anything regarding One Plan's other products which they offer, but for the sake of my pets their Pet insurance is a no go! If i must rate between 1 and 5, I would probably rate 0