Ridiculous paying procedure, happily takes your premiums and then expect you to still pay for services that are supposedly covered

I have both my pets on this policy. I had to take my cat to the vet on 06/04/2018 because she had large scabs on her neck area. The vet confirmed that it was an unknown allergic reaction. She was also due for her annual vaccinations so we decided to do both while we were there. I am covered for routine care for R650 and for a vet visit of R1050. The total invoice came to R799.25. The routine care came to R589,69 and the treatment was R209,58. vet visit R1050 - R209'58 = R840,42 balance. Routine care R650 - R589,69 = R60,31. One plan has now suspended my cover and want me to pay R435. I don't know how you do your calculations but R799 less my cover for routine care or vet visit do not come to this amount. I pay nearly R600 a month for this policy but whenever there is a claim it is a problem. It was initially just a vet visit for her condition but because it is so traumatic taking her to the vet he decided to do the annual vaccinations as well. I will be cancelling this policy for both my pets and I will be cancelling my mother's policy for her pets as well (I stupidly recommended one plan to her) There are many other pet insurance policies out there that will gladly take my business and that can do math. I was covered for both incidents total of R1700 and they expect me to pay R460 on a R799 claim. over and above the ridiculous premium increases. I am done with one plan. please invest your money elsewhere, they are only interested in taking more and more money but have issues paying for claims.