Patriot T.R.I.P Elite ^® Insurance

Trip Cancellation Your illness, injury or death, or that of a family member, a business partner, a travel companion, or a travel companion's family member 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 Employer termination or layoff Additional benefits for the program for U.S. residents: Financial default of a travel supplier Cancelled leave if you or your companion is on active duty for the military, police or fire department	The amount of your trip you elected to protect up to $20,000
Trip Interruption Applies to the same events as listed above	150% of the amount of your trip you elected to protect
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$1,000 (US$200 per day after 24 hours OR US$500 for missed connection)
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$2,000
Baggage Delay	Up to US$500
Emergency Medical/Dental Expenses	Up to US$50,000
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$1,000,000
Emergency Reunion or Return of Mortal Remains Return of minor children 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
Common Carrier Accidental Death and Dismemberment Program for non-U.S. residents	Up to US$20,000
Common Carrier Accidental Death and Dismemberment Program for U.S. residents	Up to US$100,000
Violent Attack	US$250

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 TRIP Elite ^® Insurance 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 TRIP Elite ^® Insurance 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 TRIP Elite ^® Insurance 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.

Patriot TRIP Elite ^® Insurance 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*
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.

*Under the Patriot TRIP Elite ^® Insurance Program for U.S. residents, we may waive the pre-existing condition exclusion 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 TRIP Elite ^® Insurance, please see the applicable certificate wording which is available upon request.