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Patriot T.R.I.P. Elite^SM

	Benefits Emergency Services

To provide superior protection for a picture-perfect vacation, there is Patriot T.R.I.P. Elite^SM, a travel cancellation insurance program. Patriot T.R.I.P. Elite provides coverage for many of those unforeseen circumstances that may force the cancellation or interruption of your covered trip. In addition, benefits may also be provided for travel delays, baggage delays, emergency medical treatment and medical evacuation while you are away from home. 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.

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.

Claims Administrator

Since 1990, International Medical Group has provided a full-service approach to insurance coverage. IMG has provided coverage services to more than 500,000 clients in 150 countries.

IMG earns the confidence of our clients by 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 have access to non-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.com.

Insurance products are underwritten and offered where available by Sirius America Insurance Company, New York, NY 10036 and NOVA Casualty Company, Buffalo, NY 14203.

Benefits

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.

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 to 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 more 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.

* 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.

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.

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