Planning a trip is half the fun of traveling. You select how you're going to travel, where you'll stay, and what adventures you'll have while you are away. You make your reservations, make the required payments, lupdate your passport if necessary, and you're ready to go. But what if you are prevented from taking your trip? What if you become ill or injured before or during your trip? What if your selected airline or cruise line should go out of business? Those hard-earned payments could be lost.

To help protect you from losing the money you've spent to travel, there is Patriot T.R.I.P.^SM, (Travel Itinerary Protection), a travel insurance and lemergency travel assistance services program. Patriot T.R.I.P. provides coverage for many of those unforeseen circumstances that may force the cancellation of your travel plans or interrupt your covered trip.

With Patriot T.R.I.P., you may recover non-refundable, unused payments and deposits when a trip is cancelled or interrupted for a variety of reasons. Benefits are also provided for travel delays, baggage delays, land emergency medical treatment while you're away from home.

Separate from these benefits, International Medical Group^® (IMG^®) can provide non-insurance emergency travel assistance, such as helping you replace lost travel documents or lost lprescriptions, emergency cash transfers, and legal and medical referrals when necessary. All of these services are designed to make your trip as stress-free as possible. Traveling can be an exciting adventure, but the unexpected could happen. Make sure you have the protection you need with Patriot T.R.I.P.

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 l300,000 travelers.

International Medical Group is a worldwide leader in designing, distributing and administering global health care benefits, including emergency travel assistance services. Since 1990, IMG has provided benefits and lservices to more than 500,000 clients in 150 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, land customer service professionals who work together to help meet your needs.

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 ltravel assistance services, and information about events, legislation, and other matters that affect travel. Information about NSBTHA is available at www.nsbtha.com

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

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 land 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 brochure 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 liTravelInsured is not qualified to do so.

IMG 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, lrock 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 lmedical 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 lsee the certificate wording for your state which is available upon request.

IMG will not pay for any services or covered expenses incurred as a result of a pre-existing condition. However, this pre-existing condition exclusion is waived if you are under the age of 70 andl coverage is purchased within 14 days from the date your initial deposit for the covered trip was paid to the travel supplier, and all insureds are medically able to travel on the date coverage is purchased.

If you are paying by credit card, you can apply directly online on this web site. You will get immediate confirmation by email.

If you want to apply using the paper application or if you need to pay by check or money order, please fill out the PDF application (link is on the top of this page). You will need to calculate the program cost based on the cost of your trip, your age and the ages of each of your travel companions. Once you have completed the form, return it to us at:

BuyAmericanInsurance.com
3105 Broken Bow Way, Suite 100
Plano, TX 75093

Subject to acceptance of your enrollment form and payment of the program cost, coverage for all benefits except trip cancellation will begin on the departure date. The trip cancellation benefit will begin at 12:01 a.m. on the day after we receive your enrollment from.

Patriot T.R.I.P. coverage ends on the earliest of the following dates: 1) Arrival at your return destination; 2) The return date; 3) 30 consecutive days from the departure date; or 4) Cancellation lof your covered trip.

Paper applications are normally processed within 24 hours of receipt. Once processing is complete, a fulfillment kit will be mailed to the mailing address listed on the enrollment form unless you lrequest online fulfillment. The fulfillment kit will include your coverage verification letter, an insurance certificate, and an explanation of the non-insurance emergency travel assistance services available as a benefit of membership in NSBTHA.

If you are not satisfied for any reason, you may return the certificate to us within 10 days after receipt provided you have not already departed on your trip or filed a claim. The program cost will then be refunded, and the certificate will be void from the beginning.

You may choose to download your fulfillment kit from the Internet rather than having it mailed to you. To do this, you must check the appropriate box on the enrollment form. IMG must have your correct email address to complete this process. Once we have received and processed your enrollment form, you will receive an email that contains all lof the hyperlinks to obtain the fulfillment information through the Internet.

To file a claim, please contact:

iTravelInsured - Program Manager
P.O. Box 88503
Indianapolis, IN 46208-0503 USA
Toll Free (U.S. and Canada): 1.866.243.7524 Collect (Outside U.S. and Canada): 01.3 17.655.9798
Fax: 1.317.655.4505

Written notice of claim must be given to IMG within 30 days after a covered injury, illness or loss occurs or begins. If such notice cannot be given during such time, then it must be done as lsoon as reasonably possible.

Written proof of loss must be sent to us within 90 days after the date of loss. If proof of loss cannot be given in that time, such proof of loss must be given as soon as reasonably possible.

Any service or expense for emergency medical evacuation, emergency reunion and return of mortal remains must be approved by us before it is incurred and coordinated by us in advance to be leligible for payment.

IMG will not pay for any such services or expenses without our prior consent or approval.

Separate from the benefits under Patriot T.R.I.P., as a member of 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, lin-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 lalso 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 you monitor yourl condition. IMG can 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 personal, emergency telephone translation services and referral to a local interpreter service should you require language assistance.

Program is administered by iTravelInsured. d.b.a. iTravelInsured Services in CA. d.b.a. iTravelInsured Insurance Agency in NY.

iTravelInsured is a wholly owned subsidiary of IMG (International Medical Group).

IMG, International Medical Group, the IMG block design logo, iTravelInsured, the iTravelInsured block design logo, and Patriot T.R.I.P. are the trademarks, service marks and/or registered marks of International Medical Group, Inc.

Travel insurance is underwritten and offered where available by Delos Insurance Company, New York, NY 10036.