Beware - Globelink have sold / outsourced their claims process to a company called Healthwatch ... based in Greece. Firstly though, my 2 star is brutally unfair to the amazing staff who helped me when I was injured skiing. Their service and dedication is outstanding. Their response over the Christmas New Year period was also swift. Their attitude was caring. This part of the service is beyond 5 star. Then comes to the claim. This part refers to the post accident, out of pocket expenses. Initially the globelink staff told me to submit the claim to them. (Filled out a bunch of forms, provided receipts, filled out a schedule in an excel.) After approx 1 week I followed up and was told that I had submitted to the wrong dept. Submitted to the 'correct' department. Only to receive and email saying that the claim was being dealt with by HealthWatch. (www.healthwatch.gr) who requested a very onerous set of forms requesting docs unrelated to the expenses at hand but pertaining to the actual holiday. (Apparently to ensure that we were actually skiing in Italy instead of faking being at home!) Anyways, submitted what I thought was needed. It was my fault for not realizing but didn't receive confirmation of that submission. (To be fair, at this point my experience wasn't negative yet, so I wasn't in the mode of following up / asking for reference numbers / names etc. - I only do this when I feel like I am going to be in a battle.) Anyway, a month went by, and I called to check progress. Surprise surprise, I was missing something. They hadn't bothered to email me to inform me, just kept say, refer to the email sent on this day / time where I asked for the docs. (At this point you just know that you are in a stonewall / delay / fight style battle.) We have now sent the offending document, and guess what! No response until prompted by my wife, and another week has gone by with NO confirmation that the documents are all in order and correct. Call them again, a few minutes ago. Sorry, the person dealing with my case is off this morning and will come in at 3pm. At this point I may have gotten frustrated and asked why she can't just look up my case, and see the status. She said, on the phone, she is too busy, has too many emails and this call wasn't a productive use of her time. You kidding ... right!? It's been 2.5 months since we collated all the expenses and sent in that first email / claim and I still haven't established whether everything is in order. I have called Globelink and asked WHY i have to deal with a company called Healthwatch when my policy / contract was with Globelink which had good reviews. If I had wanted a cheap budget approach I would have chosen one. I asked the lady on the phone, where it says on my policy doc that this will be dealt with by healthwatch, but she couldn't answer. Luckily these out of pocket expenses are small however, if this situation had been different and I was further from home, or my wife had to stay for a longer period to keep an eye on me, this could have become a problem. My advice, is that Globelink is great, but I need an answer on this claims process before renewing. And no answer is forthcoming so far. I have not been paid as of 27 March 2024.