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@Dammit
All of their calls will be recorded- legal requirement I believe.
Tell them that you are covered due to what the lady that sold you the policy said- and that it is up to them to find the recording and check this.
They are trying it on- just an attempt to get out of paying.
Even if their policy states that you must have receipts because the lady who sold you the policy said that you did not have to in this case then those are the terms of your insurance policy with them.
If they won't play ball small claims court- and they will lose.