Cruising on the open sea, strolling on a pristine beach, hiking through emerald green forests - whatever your choice of vacation, you expect first class service. So what would happen if you are prevented from taking your long-awaited journey? 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 advance deposits and trip payments for that dream vacation could be lost.

To provide superior protection for a picture perfect vacation, there is Patriot T.R.I.P. Elite^SM, (Travel Itinerary Protection), a premier travel insurance and emergency ltravel assistance services program. Patriot T.R.I.P. Elite 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. Elite, you may recover nonrefundable, 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, emergency medical ltreatment, and medical evacuation while you’re away from home.

Separate from these benefits, International Medical Group (IMG^®) can provide first-rate non-insurance emergency travel assistance, such as legal and medical referrals, embassy or consulate referrals, lemergency cash transfers and help you replace lost travel documents or lost prescriptions, if necessary. All of these services are designed to make your trip as stress-free as possible.

You expect top-notch service if the unexpected should happen. Make sure you have the premier protection you need with Patriot T.R.I.P. Elite.

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.

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 services to more than 500,000 lclients 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, and customer service lprofessionals who work together to help meet your needs.

When you purchase Patriot T.R.I.P. Elite 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 linformation about events, legislation, and other matters that affect travel. Information about NSBTHA is available at www.NSBTHA.org.

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 coverage, terms, limitations, and lexclusions that may affect benefits payable are provided in the master policy and summarized in the certificates.

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

Coverage offered through the Patriot T.R.I.P. Elite program for U.S. residents 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 lmore information regarding the exclusions and all other terms and conditions of the Patriot T.R.I.P. Elite programs, please see the applicable certificate wording which is available upon request.

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

1. A Pre-Existing Condition.^*
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, 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 lmountain 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 ltreatment 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.

*Under the Patriot T.R.I.P. Elite program for U.S. residents, the pre-existing condition exclusion may be waived under the terms of the policy.

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. Elite, please see the lapplicable certificate wording 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, under the Patriot T.R.I.P. Elite program for U.S. residents, this pre-existing condition exclusion is waived if the insured is lunder the age of 70 and coverage is purchased within 14 days after the date the 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 online right on this web site. You will get immediate confirmation in the 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 lof your trip, your age and the ages of each of your travel companions. Once you have completed the enrollment 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. lon 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 of your lcovered 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 request online lfulfillment. 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, land 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 lcomplete this process. Once we have received and processed your enrollment form, you will receive an email that contains all of 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 soon as lreasonably 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 lpossible.

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 ladvance to be eligible 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. Elite, 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, in-law, or grandparent, IMG will help you make the lappropriate 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 lappointment 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 your condition. IMG can also communicate with lyour 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. Elite are the trademarks, service marks and/or registered marks of International Medical Group, Inc.

Travel insurance for U.S. residents is underwritten and offered where available by Delos Insurance Company, New York, NY 10036. Travel insurance for non-U.S. residents is underwritten and offered where available by Sirius lInternational Insurance Corporation (publ), Stockholm, Sweden.