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My dealings with GGA were unhelpful, and a waste of my time and energy, to put it kindly. "Passing the buck", getting the run-around, however, you care to describe it, though kindly and polite, the 'Emergency Hotline" people were singularly unhelpful. (A bit like getting a computer technician 'from India'). Their phone help line seemed incapable, unprepared to answer the most basic questions, about providers, out-of-network providers, reimbursement, claim filing, etc.
I sustained a painful knee injury and needed treatment when I landed in Spain (from SF). For one month the pain continued, and it continued while I was in France for another month. I had purchased a 'comprehensive' policy with supposedly 'no out of pocked medical expenses.' —if I called emergency help line first, which I did several times. Ha! They had no one in Barcelona or Cadiz 'in network'. I was told to locate my own physician in both places I did, with some effort; then paid out of pocket, in cash for four treatments.
In Paris, I called the 'helpline' again and this time received in-network referrals. I made appt with in-network physician who promptly ordered an MRI for my knee. Again I called the 'helpline' to be sure they could make arrangements with osteopath and radiologist( I gave Drs. address, telephone) so I would not need to pay out of pocket. They assured me that, yes, they would, and then that they had, done so. No problem. When I arrived, however, I was told I had to pay for both doctor and MRI. After this, I received email notice from GGA that my claim had been filed and even given a claim number and told a representative would contact me soon (no one ever did).
Now I am home, I call GGA and am told 1)I have to file an official claim to even have any questions answered! The claim number they sent me was "not a 'real claim." 2) In addition to filing out various forms, I need to get a written 'disposition' from Medicare supplemental provider that they refuse to pay foreign costs (even though secondary covers ONLY what Medicare covers, no foreign medical coverage). 3) In the claim filing forms they sent me, I see: "invoices will not be accepted as proof of payment. You must provide credit card or cancelled checks." These foreign providers all requested CASH payments, and would not accept checks or credit cards. This caveat is not mentioned in the policy details.
In short, I am not going to bother to file a claim I am sure will be rejected. have wasted hours and hours of time and frustration attempting to get help from GGA with this injury. I would have been better off, handling this without trying to use them as an intermediary. I was fortunate, this is a relatively minor injury, but surely not worth the frustration, the jumping through the hoops and barriers set up by this company. Just get catastrophe insurance, I can only hope they might have come through if it was a life or death situation.

I never received the information I requested. I will never use this company in the future.

Used this on a trip to Budapest, Hungary. Girlfriend got very sick had asthma and bronchitis. It was a weekend, contacted CSA rep to ask for a english speaking doctor. Took 3-4 hours to finally have a doctor come to the house. Couldn't hardly speak any english, (very broken). This was very important because of my girlfriends many food and drug allergies. Took a huge chance and doctor gave her two shots of something he said would work. She didn't get any better. My family showed up that speaks hungarian. I contacted the american embassy myself who recommended a doctor in budapest that americans go to in Budapest-. Doctor spoke great english and was very helpful. Recommended medications much different that the other doctor, that seemed to help. It stabilized her condition for the next 4 days until we returned back to the USA. Not only was the doctor recommended by your company terrible, but it took 3-4 hours to finally find one that still couldn't speak clear english. Very unhappy with this service, could have killed my girlfriend by prescribing the wrong medication and taking so long to respond. Almost ruined the entire vacation! Would not recommend!

Sold as a "comprehensive policy", it is anything but. We had a complicated, multi-part trip to Africa, including a safari followed by a cruise. The cruise line went out of business two months before we left. CSA refused to cover this, even though the paperwork implies that it does: it excludes coverage for financial insolvency **if it happens within 14 days of the purchase of the policy.** Well, this happened three months after the purchase of the policy, and it wasn't covered. We ended up rebooking the second half of our trip, which required flight & hotel changes and many change fees. Guess what? This wasn't covered either. We bought this expensive policy because we wanted to be sure everything was covered. Never again!