According to information received, not all emergency rooms accept students insured by Global Secutive. Both they and Ingle are made more powerful in the student insurance market by the latest partnership. (2015 Jan 12: Ingle rebrands student insurance, expands globally). Quite a few student exchange programs only allow you to buy your insurance through GS or Ingle.
Erica Insurance is owned by EF Education. All of EF Education’s student programs insure their students through Erica. Potential conflicts of interests are a danger.