Check Details. Check limits of your own insurance first. Most critical if you are going to developing lands--will they pay for evacuation to a site of up to date care if needed? What about a life flight to usa or europe? You may need to buy extra evacuation or repatriation insurance. Does your company exclude high risk activity like scuba diving? Out of network? Require preauthorization for hospitalization etc?
Traveling. Traveling medical insurance is a form of protection in case of a medical emergency (usually) when traveling to an area of the country or more frequently to another country where your established medical insurance will not normally cover you. As mentioned previously, it normally covers medical emergencies rather routine care.