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Comprehensive Travel Medical Insurance is for long-term travelers who have already left their jobs and have no insurance protection at home. It is also for people who are not living and working in their home country. Emergency Travel Insurance is for people with medical insurance at home which does not cover them while traveling. However, this kind of travel insurance only includes emergency medical services overseas, when you get home, you are expected to be once again under your health insurance for essential check ups, treatment or continuing care. Majority of health providers and health maintenance organizations(HMO) in the USA have their own clauses for emergency care while travelling abroad for fewer than 30 days. Verify with your agent what other features are included in your plan before travelling abroad to avoid wasting money.