Program Manager
iTravelInsured has a wealth of experience designing and managing travel protection programs. Since 1999, on behalf of recognized insurers, iTravelInsured has offered protection to over 300,000 travelers.

Emergency Travel Assistance
Since 1990, International Medical Group has provided benefits and services to more than 500,000 clients in 170 countries.

IMG prides itself on delivering superior service around the globe, around the clock. Its dedicated staff of professionals includes multilingual claims administrators, on-site medical staff, and customer service professionals who work together to help meet your needs.

NSBTHA Membership
When you purchase Patriot T.R.I.P., you automatically become a member of the National Small Business Travel & Health Association (NSBTHA). Through this association, members may access travel insurance, emergency travel assistance services, and information about events, legislation, and other matters that affect travel. Information about the association is available at http://www.nsbtha.org/.

Insurance products are underwritten and offered where available by Delos Insurance Company, New York, NY 10036.

PROGRAM COST

The program cost for each individual is determined by first calculating the individual's age by subtracting his or her birth year from the current year. The individual's trip cost is then multiplied by the factor for the appropriate age range as shown in the table below.

Total Years	0 - 49	50 - 59	60 - 69	70 +
Factor	.0400	.0549	.0698	.1015

Trip Cancellation/Interruption Your emergency illness, injury or death, or that of a family member, a business partner, a travel companion, or a travel companion's family member Financial default of a travel supplier A terrorist incident Organized labor strike, natural disaster or bad weather resulting in the cessation of the travel supplier's services Hijacking Medical quarantine Jury duty Your home or that of a travel companion made uninhabitable by fire, windstorm, vandalism, or flood Your auto accident or that of your travel companion on the way to the scheduled departure point Cancelled leave if you or your companion is on active duty for the military, police or fire department Employer termination or layoff	The amount of your trip you elected to protect, up to US$20,000 per person
Travel Delay Travel supplier delay Lost or stolen passport, travel documents, or money Medical quarantine Natural disaster Your injury or illness or that of your travel companion Missed cruise departures because of flight delay due to bad weather	Up to US$500 per person
Baggage and Personal Possessions Damage to, loss of, or theft of your checked or stored baggage by a common carrier or while stored with your hotel	Up to US$1,000 per person
Baggage Delay	Up to US$100 per person
Emergency Medical/Dental Expenses	Up to US$10,000 per person
Emergency Medical Evacuation/Repatriation Reasonable expenses for evacuation to the nearest adequate medical facility, provided you are traveling more than 120 miles from your primary place of residence Reasonable expenses when you are confined in a medical facility more than 120 miles from your primary residence, and your treating physician and we determine it is medically necessary to transfer you to a medical facility nearer to your primary residence	Up to US$20,000 per person
Emergency Reunion or Return of Mortal Remains Return of dependant child or grandchildren Transportation and lodging for a family member to be at your bedside Return of a rental vehicle Return of mortal remains	Up to US$3,000 per person
Common Carrier Accidental Death and Dismemberment	Up to US$100,000 per person

This is a summary of the principal provisions of the master policy offered through the NSBTHA for its members. It is not considered to be a contract of insurance. Complete details of coverage, terms, limitations, and exclusions that may affect benefits payable are provided in the master policy and summarized in the certificates.

Coverage may vary by state and may not be available in all states. Read your certificate carefully and note all state exceptions that may apply. For more information regarding the exclusions and all other terms and conditions of Patriot T.R.I.P., please see the certificate wording for your state which is available upon request.

This Summary of Benefits is not intended to be an offer to sell Patriot T.R.I.P. or a solicitation by iTravelInsured in any jurisdiction where such action would be unlawful or in which iTravelInsured is not qualified to do so.

* A "covered trip" is any travel and sojourn to a destination more than 120 miles from the starting point of the covered trip and not exceeding 30 consecutive days.

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EMERGENCY SERVICES
Separate from the benefits under Patriot T.R.I.P., as a member of the NSBTHA the following non-insurance Emergency Travel Assistance Services are available to you from IMG:

• Emergency Travel Arrangements - In the event you must return home or discontinue your trip as a result of an interruption in travel due to an illness of your spouse, child, parent, in-law, or grandparent, IMG will help you make the appropriate travel arrangements. You are responsible for the cost of the travel tickets.
• Lost Passport/Travel Documents Assistance - IMG will help you report, retrieve or replace lost or stolen travel documents, such as your passport, credit cards and airline tickets.
• Lost Luggage Assistance - IMG will assist you in communicating with the commercial carrier for the return of your lost luggage.
• Embassy or Consulate Referral - IMG will inform you of the location and contact telephone numbers for the nearest embassy or consulate, no matter where you are.
• Emergency Message Relay - IMG will receive or transmit emergency messages between you, your family and your employer.
• Emergency Prescription Replacement - IMG will assist with the replacement of lost or damaged prescription medication. You are responsible for the cost of the actual medication and shipping costs (if any).
• Medical Referral - If urgent medical advice or care is needed, IMG is prepared to refer you to the nearest appropriate care facility or provide a listing of available medical care to you. IMG will also help with obtaining an appointment with the medical care provider you have chosen.
• 24-Hour Medical Monitoring - If you are hospitalized, IMG will provide medical professionals to communicate with your treating doctor(s) and help monitor your condition. IMG will also communicate with your family doctor as you direct.
• Emergency Cash Transfer - IMG will help you transfer funds up to US$500, in the event of a medical or travel emergency.
• Legal Referrals - IMG will provide you with a referral to the nearest attorney.
• Emergency Translations - IMG will provide you with personal, emergency telephone translation services and referral to a local interpreter service should you require language assistance.

SUMMARY OF EXCLUSIONS

We will not pay for any Illness, Injury or loss caused by or as a result of:

1. A Pre-Existing Condition, except as waived by Us under the terms of the Policy.
2. War or any act of war (whether declared or undeclared), civil disturbance, riot or insurrection.
3. Serving in one of the armed forces of any country or international authority.
4. Operating, learning to operate, piloting or riding in or on any aircraft or flying device, other than riding as a passenger in a licensed commercial aircraft.
5. Suicide or attempted suicide, while sane; intentionally self-inflicted Injury or Illness.
6. Being under the influence of any intoxicant, drug or narcotic unless prescribed by a Physician.
7. Training, practicing or participating in any motor sport or motor racing.
8. Parachuting, hang gliding, parasailing, hot air ballooning, scuba diving below 135 feet or any type of scuba diving without the proper diving training and certification from a professional organization, rock or mountain climbing, or hunting.
9. Pregnancy or childbirth when You are expected to give birth within two months from the date of a Covered Trip or an elective abortion.
10. Traveling against the advice of a Physician, traveling while on a waiting list for inpatient Hospital or clinic treatment, or traveling for the purpose of obtaining medical treatment abroad.
11. Taking part in any scheduled athletic event or competition.
12. Any emotional, psychological, mental or nervous disorder.
13. Any potentially fatal condition which was diagnosed before the date Your coverage became effective, or any condition for which You are traveling to seek treatment.
14. Dental treatment due to normal wear and tear or the normal maintenance of dental health.

Exclusions may vary by state. Read your certificate carefully and note all exclusions that may apply. For more information regarding these exclusions and all other terms and conditions of Patriot T.R.I.P., please see the certificate wording for your state which is available upon request.