Yes, you can absolutely purchase Travel Medical Insurance as a standalone product, separate from "comprehensive" travel insurance. While comprehensive plans cover things like trip cancellation, lost luggage, and flight delays, "Medical Only" or "Travel Health" plans focus exclusively on emergency medical expenses, hospital stays, and emergency medical evacuation. These plans are often significantly cheaper and are ideal for travelers who have already booked non-refundable trips or those who are traveling "budget-style" and only care about the catastrophic financial risk of a foreign hospital bill. In 2026, many countries (particularly in the Schengen Area) require proof of a specific amount of medical coverage (usually €30,000) for visa approval, and a standalone medical policy is a perfect way to meet this requirement. It is important to check if the plan covers "pre-existing conditions" and includes "repatriation of remains," as these are critical features for international travelers seeking true peace of mind.