Travel Insurance Reviews Comprehensive Plans

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.

The plan was comprehensive and reasonably priced. Overall a good deal for peace of mind.

Didn't need to file a claim, and I was happy having the coverage I had in case I needed it

Thanks

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

We did a lot of research and found this plan provided the best coverage at a reasonable price.

The plan looked good and the price was right, but of course you never really know until you file a claim. Fortunately, I will never know because I came back with nothing more severe than broken fingernails.

We had no need to use the plan but were comfortable knowing we had the support if necessary.

I have already recommended the plan to my neighbor and she in turn recommended to her friends.

I am so glad to have learned from a friend about this trip insurance site! The cost for my insurance was half that of the insurance being offered by the tour company that arranged the trip. I have recommended this to fellow travelers since learning of Insuremytrip!