Buyer beware, indeed. IF the trip goes as described, you'll have good value and quality.
However, if anything is out of the ordinary, you are on the hook for everything. Expect no recourse, unless it comes with a price, and NO service support. Try being stuck in Mongolia on your own. Buying your way out is the only option.
I thought that was bad, then encountered TripMate, their insurance partner, aka master of denial of the valid claim. Advice; avoid GCC, but if you go, pray for luck and don't insure.
Use the premium money for lottery tickets. You're better off.
Reason of review: Poor customer service.