"travel insurance" as the term is used in UK is often mainly about just that - travel: - delays, cancellations, inconveniences, loss of bags etc. Some accidental cover may be there but in many policies it's trifling. But folk often just look at the price and will pay £20 expecting to be covered infinitely when decent medical / accident / repatriation emergency cover costs £150 or more for 3 months depending on age and any medical preconditions. I always look for at least £5 million cover and get the premium down bay acceptation the highest excess available (usually about £1,000).