A GFI circuit compares the current flowing on the hot side of the AC outlet with the current flow on the neutral side of the AC outlet. If there is even a small difference in current between the hot and neutral, the GFI will open the circuit. If you have a voltage in your tank the ground probe will send this current to the third prong on the AC outlet - not the neutral. Since this current is coming from the hot-side and is being returned on the third prong (safety ground) there will be a current difference between the hot and neutral and the GFI should trip.
If you don't have a GFI on the outlet, you won't be protected by a ground probe.
Adding a ground probe to a non-CGI circuit guarantees that any voltage in the tank also produces a current. That current may be significant yet not be enough to trip your breaker. Voltage in your tank, without a path to ground means that when you touch the water - you provide the path - that's when you feel the bite. The better your grounded (barefooted - wet carpet, etc) the bigger bite you feel.
The problem with using a multi-meter to measure voltages in the tank is just as the hydor rep stated in the post above.
"In saltwater, which is highly conductive, you get an induced electrical current produced by the magnetic shield emanating from the electric current running through the copper wires of the electrical cord. . This is not an actual voltage leak. This typically reads as a voltage of 1 to 5 volts on a digital voltmeter. You can improve the accuracy of you voltage reading by using a standard voltmeter (analog). "
If your using a digital multi-meter, it is not uncommon to read induced voltages of tens (20,30 even 40) of volts between water and ground. Everything you unplug may drop this reading a little or not change it at all. This can be confusing and doesn't indicate any problem whatsoever.
I have found the simplest most reliable method is to use a simple 100-600v AC Voltage Detector. These are those devices that have a probe tip that you place in proximity to a conductor and it will chirp and/or flash if there is an AC voltage present.
(one I use - EXTECH 40130 - $10)
Turn it on, put the probe tip against the glass/plexiglass of your tank - if it chirps/flashes you have a voltage leak. If it doesn't - you don't have a problem.
Make sure you test when everything is actually running. Chillers are notorious for causing voltages in tanks that you won't find until the chiller actually kicks on.
These AC voltage detectors are cheap ($8-$12 range). You can get them at any hardware store or Frys etc. and in my experience, they are 100% accurate at determining if you have a true voltage problem.
So much simpler than the multi-meter method.