Why I will never make us of SANTAM’S flight insurance again!

Why I will never make us of SANTAM’S flight insurance again! I was supposed to visit my two daughters in Denver, Colorado, USA and my flight was booked through Flight Center, who recommended SANTAM for my flight insurance. I bought my airplane ticket and followed Flight Center’s advice and utilized SANTAM for my insurance. I paid for the insurance. According my SANTAM insurance policy I was insured from 24 May 2017, the day I was supposed to leave South Africa to visit my daughters. I was so excited and nervous at the same time. I have not seen my eldest daughter for 3 years and my youngest for almost 1 year and 5 months and I never flew abroad in my life. I left my main place of residency and started my international trip by trading some SAR for USD and my plan was to on my way to OR Tambo International to visit some shops to buy gifts for my children. Mid day my husband and I were in an armed ******* and they took everything, my air tickets, travel documentation, my cash and all other insured assets. I put in a claim and SANTAM only paid out my air ticket and refuse to pay all the other assets I was insured for, including my passport and visum, reason being I left my house to early. I work hard as an after school teacher to save up to visit my children. I took the matter to the Ombudsman and after almost 6 months the situation has not been resolved and I have not received payment for which I was insured and paid for. I hoped to visit my children before Christmas 2017 but unfortunately it is impossible for me to do so, whereas I need the money to obtain my travel documentation and cash I lost. I just can not go and visit my children at this stage. As soon as I am able to visit my daughters I will never make use of SANTAM again and will utilize an insurance company eager to assist their clients and will look after their needs and keep their promises who will not just take your money.