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What is the difference between health insurance and travel insurance?

I have a health insurance plan that covers me overseas in ANY country at ANY hotel. What would be the benefit of adding medical travel insurance, if any? I only found one link pertaining to this and it said travel insurance covers personal items and what not, but not any that I could afford. Does anyone have any experience with this?

Public Comments

1. If you live in the US, it would be VERY unlikely that your health insurance would cover overseas for anything other than an "emergency." And, "emergency" is their definition and not yours. Also "Travel Insurance" is used when you want to cover the cost of your trip should either the cruse line go out of business, a family member or traveling companion get sick, etc....so that you're not out the money for the trip. "Travel Medical Insurance" or "Travel Health Insurance" covers medical expenses overseas.
2. Really. It pays for medical services at a HOTEL? What are the limitations?? Because they ARE there. You will need to go to your health insurance broker, who's READ your policy, and can tell you what is NOT covered under your health insurance overseas.
3. Health insurance covers you when you are at home or at work. Travel insurance does not. It only covers you when you travel, and at no other time. Travel insurance pay cover the cost of getting back home (air ambulance or medical evacuation). Health insurance does not. It only covers the cost of treatment where you are.
4. your agent or broker should research this for you. it depends on the policy.