Disregard of TFC

So I have been with OnePlan Pet Insurance for a little under a year now. Was happy with the service and claim process up until now. I have a set schedule payment in favour of OnePlan for my premium. My premium has been R229 since I took up the policy and last month apparently my premium was not received. I checked with my bank and it was confirmed that the schedule payment for R229 did not go through. I then made a manual payment for May and June premium collection and OnePlan confirmed receipt of the amount. On the 23rd June I took my dog for annual checks and that's when I found out that my policy was cancelled on the 1st June. The reason for cancellation was short payment on my premium. No one had the decency to contact me to advise me that the policy was cancelled due to short payment. On top of that, my policy increased from R229 to R307. I currently going through my emails as apparently they have advised me of this and also cited reasons thereof. Oh this increase by the way has nothing to do with the recent VAT increase although still inclusive. It has been hardly a year and already my premium increased by more than 24%. I will be taking this to the insurance ombudsman, to say I am disappointed will be an understatement.