Travel insurance usually includes trip cancellation, trip interruption, baggage loss and baggage delay in addition to medical and medical evacuation. There are often limited or no deductibles and must be purchased prior to departing for your trip. If you are traveling 30 days or less, travel insurance is more comprehensive and often more economical. Travel medical insurance is designed to primarily cover emergency medical and medical evacuation. It can be purchased at any time but excludes pre-existing medical conditions. Travel medical if often renewable.