Pathetic practice

Pathetic service on 6 may my baby was running around and playing when she got her leg caught in a branch and started limping. I gave her attention and monitored her unfortunately no vet open at the time so monday morning first thing took her in to get checked as she was limping found out she had torn her cross tendon in the right hindleg. Contacted oneplanand was told i need to submit a claim form and invoices which i did my baby was scheduled for surgery but unfortunately the vet was down with flu, i kept in contact with oneplan. On thursday morning after being promised they would call me back on tuesday i received a email telling me their review board has checked and will not cover the claim due to the fact that the injury sustained only aggrevated a hereditory degenerative condition this so called board has never seen my baby then the supervisor tells me that this injury is excluded for the first twelve month holy **** how did they know this would happen. I am disgusted i pay a large amount per month as i have three dogs insured with them and the first time i need them this is the pathetic excuses and service i receive and still my baby is hopping around on three legs and in pain i do not have R5000 to pay for the surgery this is why i have the insurance and when needed a so called panel decides tough tekkies your pet must suffer as we will not cover the injury absolutelty digusted with the serviceand treatment received.