OnePlan Pet Insurance - Not worth it

I have been with One Plan Pet Insurance for five years. If I could turn back time, I would never have joined. I would have put the premiums in a savings account instead. I could have had a considerable amount saved for my pets by now. Fast forward five years, and realising that this product is not worth it anymore, I have cancelled my policy. Reflecting on the past five years, I cannot recall a single claim without any issue. Either it is an invoice that doesn't meet their long list of criteria, the app that always gives an error or the cumbersome and disorganised administrative processes. I recall returning to the vet three times to fix the invoice for one claim before they would accept it. Ridiculous. As if I want to **** them out of a measly couple of hundred rands. The cover they provide is simply not enough. At least, not anymore. They cover routine care to a maximum of R750. Annual shots alone are R300 - R400. Perhaps more, depending on the vet and where you stay. Things like dental scaling and polishing also fall under routine care. That requires anaesthesia. Depending on the vet, you are looking at a bill of R500 - R1000 for that alone. Not that it matters. You will have to pay it yourself because the routine care limit will have been reached. Apart from routine care, the so-called "pawsualty" benefit is far below what any reasonable vet charges for the incidents that OnePlan covers under this category. Generally, I have noticed how the premium went up and the benefits decreased over the last five years. One of our dogs required special dietary food for a medical condition. We had to pay for it ourselves because OnePlan removed that benefit the year prior. They also have this unnecessarily complex "admission matrix" for hospital claims that only they know how to interpret. You might feel comfortable that they will cover a claim, only to find out later that they deem it a pawsualty claim. And then, of course, it will exceed the R1300. When my pet is injured, I want to get it the necessary treatment with the assurance that the financial cover I put in place for such events will be available. I don't want to scratch my head trying to figure out some or other matrix to determine whether or not it will be paid. Or be surprised with a rejected claim afterwards. Unfortunately, I don't have that assurance with my current OnePlan policy. Also, five years ago, hospital and accident cover was paid directly to the vet without me having to fork out anything. That is no longer the case. Now you must pay, and then OnePlan will (consider) refunding you. Sorry, no. That defies why I took out the policy in the first place. In all fairness, I haven't had the experience of going through a hospital or accident claim. Our pets are healthy, and we safeguard them as much as is humanely possible. But I'd rather quit while I'm ahead and not have to experience that. Lastly, OnePlan Pet Insurance keeps reminding its customers that it is not a medical aid but insurance. Yet, their current model resembles a medical aid. I mean, talking about "casualty claims", "pet med savings", "hospital claims", etc. Perhaps they should take a step back and figure out their identity.