So I have been on holiday in Europe (I am from the UK) several times. For my European holidays, I have only ever gotten travel insurance - which also includes some health cover. When I went to America for 4 months in 2015 summer, I got travel insurance & medical insurance. I was unsure why this was needed as travel insurance also covers for health. Can someone please explain the reason to me? Is it because medical insurance is needed for long-stay etc? I am going to NZ at the end of December so I need to understand.