Don't ever use there GAP cover!

Signed up with Sanlam gap cover a year ago. I would say to anyone, don't waste your money! My husband had an op at the beginning of this year and the short fall from Discovery was R 224, can you believe that we have been struggling to get this paid from Sanlam up until now. Yes it is a small amount of money but it is the principal of it, we are paying monthly for these things to be covered. We have had to resubmit the claim three times, each time they say documents missing, we submit the documents needed and nothing. Now they have rejected the claim saying they don't pay for doctors visits with the complete wrong amount on the rejection which is not even what we claimed for! The calls alone to them and the time my husband has had to take has been rediculous! I would not recommend them to anyone and I have cancelled my cover with them and told everyone I know to stay away!