Taken for a Ride by Linkham travel Insurance

Do not ever buy travel insurance from the One Stop Travel Group as they are associated with Linkham Travel who do not make buyers aware of the terms and conditons of the insurance. We bought travel insurance through One Stop for my daughters friend in case her USA visa was denied. We purchased the Insurance after we had submitted the visa application. Neither the lady from One Stop or Linkham Travel advise me that the policy would not pay out if it was taken after the visa application had been submitted. Why would I take out a travel insurance if I knew it was not going to be valid. They took my R1000 and are now stating that they cannot pay us because policy was taken out after visa application. Thieves the lot of them.