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If these programs were all standardized and put into effect on a national well publicized level I believe it would put one hell of a dent in the uninsured population in this country. To define it succinctly: travel health insurance is a policy specifically designed to protect and cover you from any and all possible risk you might ladder into while travelling abroad. The Florida guaranteed issue small group health plans has an open enrolment period only during the month of August. Now quoting term life insurance, universal life insurance, and return of premium life insurance.