Trip Cancellation Insurance Plans

PATRIOT STUDENT^SM T.R.I.P. SUMMARY OF BENEFITS AND EXCLUSIONS

Patriot Student T.R.I.P. is a travel insurance program designed to provide coverage to full and part-time students for many of those unforeseen events that may force the cancellation of travel plans or interrupt a covered trip*.

Trip Cancellation/Interruption Your 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$5,000 Per Student
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$300 Per Student
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$500 Per Student
Baggage Delay	Up to US$50 Per Student
Emergency Medical/Dental Expenses	Up to US$2,500 Per Student
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$10,000 Per Student
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$2,000 Per Student
Common Carrier Accidental Death and Dismemberment	Up to US$5,000 Per Student

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 Student 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 Student 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 or 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 Student 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.

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 and its wholly-owned subsidiary, International Medical Administrators^SM, Inc., have 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 Student 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.

SUMMARY OF EXCLUSIONS

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

A Pre-Existing Condition, except as waived by Us under the terms of the Policy.
War or any act of war (whether declared or undeclared), civil disturbance, riot or insurrection.
Serving in one of the armed forces of any country or international authority.
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.
Suicide or attempted suicide, while sane; intentionally selfinflicted Injury or Illness.
Being under the influence of any intoxicant, drug or narcotic unless prescribed by a Physician.
Training, practicing or participating in any motor sport or motor racing.
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.
Pregnancy or childbirth when You are expected to give birth within two months from the date of a Covered Trip or an elective abortion.
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.
Taking part in any scheduled athletic event or competition.
Any emotional, psychological, mental or nervous disorder.
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.
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 Student T.R.I.P., please see the certificate wording for your state which is available upon request.

PATRIOT STUDENT T.R.I.P. PROGRAM COST

The travel insurance program cost for each student is calculated by multiplying the program rate factor by the total trip cost thus giving you the trip insurance premium. Please see the sample rate calculation below.

Total Years	0 - 25
Rate Factor	.0253

This program is available to any student under age 26 and enrolled in school or summer camp.

SAMPLE RATE CALCULATION

Rate Factor X Total Trip Cost = Trip Insurance Premium

.0253 X $1000 = $25.30

Kleinman General Insurance Services
P.O. Box 1047, Grass Valley, CA 95945
Voice (530) 273-9500 or (800) 575-1957 Fax (530) 273-9514
Email: info@Insure4Travel.com

International and Domestic travel insurance plans

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