Hello I am the benefits administrator for my company and we have many employees who work in a third world country. We utilize both medical insurance and travel insurance. Our company medical insurance (what we offer employees) covers medical expense just as you were explained for employee traveling on business and pleasure. For instance our dental insurance covered an employee working abroad who needed an emergency dental procedure. We use our travel insurance in the case of a legal or other emergency situation. Fortunately we have never needed to use our travel insurance but one of the reasons we have it is because it covers this type of situation.... Employee in need of medical or other emergency (such as legal) needs to get back to the US, the the travel insurance company will actually take money when needed to assist. So what I am saying is that you should verify with your medical company how it will cover medical needs while traveling and you should check with a travel insurance company about additional services outside of medical and then see if you still have a need. As stated we use it more because of the areas our employees work, it may not be needed in Europe and other developed areas.