Unhappy with Vodacom cellphone insurance i

I bought a cellphone late August, insured it with vodacom. The cellphone got lost on the 27th October 2109, made a claim on the 28th October 2019. I called in to make a follow up on my claim at 12:17 then spoke to a consultant named Mathapelo, she told me my claim was approved for a Huawei Y6. When I went to collect the Cellphone at Vodacom Ilanga Mall Nelspruit the insurance told them that it was disapproved since the phone got misplaced within 90 days of which it was something new to me. I would have been told by the vodacom shop when I initially made a contract with them, also when I made a claim however that was not the case. So now does it mean I've paying for nothing, used my petrol to go fetch a phone which was not there?