Funeral cover ****

We recently joined this funeral cover as it says No waiting period on their pamphlet, my grand mother just passed on. I called in to claim and they advised that the policy is still new and we need to claim after 3 months. Why does it say No waiting period on the pamphlet? We need help. These are ****mers. I would never recommend this funeral cover to anyone. We need help urgently. We have no other funeral cover to bury my grandmother.