Extremely Bad or no Service Bryte Travel Insurance

My sister and I took out Bryte insurance for International and top up 2. We went on a cruise in March from Rio to Barcelona. Our cruise were cut short before we even reached Santa Cruz de Tenerife due to Covid. We were told by MSC to provide them tickets for us to leave the ship in Lisbon where we were under quarantine. We bought tickets through Travel start and KLM. Then we were prevented by the Portuguese Port Authorities to leave the ship. The next day South Africa was locked down. We were put up in a hotel by MSC and Imagine in Frankfurt and we had to buy tickets for repatriation again, but Imagine cruising paid for it. Bryte insurance won't pay us anything, not for our cancelled journey, or Emirates tickets cancelled, neither the KLM tickets, nor any costs related to staying longer overseas. They just keep on referring to T's and C;s which we never received. Stay away from Bryte...they take your money and don't care a stuff about their clients. The policy were bought through Nedbank. To date we have not received any vouchers from either MSC, Travelstart, but they keep on saying because we were offered vouchers we have already been paid. I had to buy chronic medication because we stayed longer, they won't even pay for that or food under extra cost because of delayed journey? I rated 1 star but they should get zero.