Trip Cancellation Your emergency 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 per person
Trip Interruption Applies to the same events as listed above	150% of the amount of your trip you elected to protect per person
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 per person (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 per person
Baggage Delay	Up to US$500 per person
Emergency Medical/Dental Expenses	Up to US$50,000 per person
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 per person
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 per person
Common Carrier Accidental Death and Dismemberment Program for non-U.S. residents	Up to US$20,000 per person
Common Carrier Accidental Death and Dismemberment Program for U.S. residents	Up to US$100,000 per person
Violent Attack	US$250 per person

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.

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EMERGENCY SERVICES
Separate from the benefits under Patriot T.R.I.P. Elite, 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.