Are you traveling abroad for an adventure sport activity? If so, you have probably purchased the latest equipment and picked the perfect location. But what would happen if you are injured or become ill during your trip? Do you have medical insurance that covers you in the event that you need treatment in another country? Will you be covered if you are injured as a result of your sports activity?

Most travelers assume they will be covered by their standard medical plan. In reality, traditional medical plans may offer adequate domestic coverage, but they are not designed for international travel and usually exclude hazardous sports activities.

Could you get quality treatment at a foreign hospital? How would you deal with the language and currency barriers? What if the treatment you need isn’t available nearby?

You have enough to worry about when you’re traveling. Don’t let your medical coverage be an uncertainty. International Medical Group^® (IMG^®) has developed two Patriot Adventure^sm plans to provide you Coverage Without Boundaries® so you can spend more time enjoying your international experience, and less time worrying about your medical security.

The two Patriot Adventure plans offer a complete package of international benefits available 24 hours a day. Patriot Adventure International^sm provides coverage for U.S. citizens traveling outside the U.S., while Patriot Adventure America^sm provides coverage for non-U.S. citizens traveling outside their home country. Both plans are available for a minimum of 30 days up to a maximum of six months.

Additionally, the plans offer excellent benefits and services to meet your global needs. You have access to international, multilingual customer service centers, claims administrators who process claims from all over the world, handling virtually every language and currency, and 24 hour access to highly qualified coordinators of emergency medical services and international treatment. You also have access to more than 17,000 providers when seeking treatment outside the U.S. using our International Provider Access^sm (IPA). You can also reduce your out-of-pocket costs when seeking treatment in the U.S. by locating providers through the independent Preferred Provider Organization.

At IMG, we know that the reasons to travel abroad are many and varied - that’s why our services are designed to provide you with the security you need no matter where you are. Our goal is to make the medical process smooth and efficient. By providing global products and services to vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence, IMG is the single resource for all your international travel needs.

How we service and support your needs is what sets us apart. Since 1990, we’ve served more than a million people around the globe - always focused on the specific needs of each individual. We’ve set the benchmark for industry service levels by integrating independent credentialing services with in-house, fully owned and operated service divisions. At IMG, we’re with you, wherever you go - bringing support for all your insurance needs around the globe - providing you Global Peace of Mind^®.

All coverages, benefits and premium amounts shown in this booklet are in U.S. dollars.

These benefits are a summary only.
Please see below for a list of descriptions.

PATRIOT ADVENTURE INTERNATIONAL RATES
Coverage from 30 days to 6 months*

ONE MONTH RATES ($50,000 MAXIMUM LIMIT)

Age	One Month
17 or younger	$54
18 - 39	$64
40 - 49	$100
EACH ADDITIONAL 15 DAYS ($50,000 MAXIMUM LIMIT)
17 or younger	$27
18 - 39	$32
40 - 49	$50

PATRIOT ADVENTURE AMERICA RATES
Coverage from 30 days to 6 months*

ONE MONTH RATES ($50,000 MAXIMUM LIMIT)

Age	One Month
17 or younger	$72
18 - 39	$94
40 - 49	$142
EACH ADDITIONAL 15 DAYS ($50,000 MAXIMUM LIMIT)
17 or younger	$36
18 - 39	$47
40 - 49	$71

*Coverage under Patriot Adventure International and Patriot Adventure America must be purchased for a minimum of one month.

All premium rates are effective through 3/31/2011. Rates include surplus lines tax where applicable. A dependent child is your child shown on the Enrollment Form over 14 days and under 18 years of age, traveling with you, and for whom premium has been paid.

1. Coverage and benefits are subject to the deductible and coinsurance, and all terms of the certificate of coverage and Master Policy.
2. Coverage under Patriot Adventure is secondary to any other coverage.
3. Coverage and benefits are for medically necessary, usual, reasonable and customary charges only.
4. Charges must be administered or ordered by a physician.
5. Charges must be incurred during the Period of Coverage or the Benefit Period.
6. Claims must be presented to IMG for payment within the Period of Coverage, Benefit Period or during the three months immediately following the Period of Coverage.

The following conditions apply to all persons applying for and/or enrolling in Patriot Adventure:

• For coverage while participating in any of the covered adventure sports activities, you must be medically and physically fit to engage in such activity and hold the necessary qualifications as approved by the applicable Governing Body or Authority.
• Patriot Adventure is travel insurance for U.S. citizens traveling outside the United States and for non-U.S. citizens traveling outside their home country.

Patriot Adventure can be rewritten for succeeding or subsequent periods but is not renewable. New Deductible, Coinsurance, Eligibility, Conditions of Coverage and Pre- Existing Condition Exclusions apply to any succeeding or subsequent Period of Coverage. A new application must also be completed.

Your satisfaction is very important to IMG and the plan underwriter. If you are not pleased with this product for any reason, you may submit a written request, prior to your effective date, for cancellation and refund of your premium.

Please read the important information below prior to completing the Application Form.

Before you begin your trip, simply fill out the following Application Form and calculate the premium for the time period you and your family will be traveling. Once you have completed the Application Form, return it to your agent or mail it to IMG. You, your spouse and unmarried dependent children (over 14 days and under 18 years of age) listed on the Enrollment Form and for whom premiums have been paid will be covered from the latest of the following dates:

1. the date IMG receives your completed Enrollment Form and the appropriate premium;
2. the date you depart from your home country; or
3. the date requested on your Application Form.

Patriot Adventure coverage ends on the earliest of the following dates:

1. the end of the period for which premium has been paid;
2. the date requested on your Application Form; or
3. the date you return to your home country.

IMG normally processes Application Forms within 24 hours of receipt. Once processing is complete, IMG will mail a fulfillment kit to the mailing address listed on the Application Form. The fulfillment kit will include an IMG Identification Card, IMG contact numbers, Claim Forms and your insurance certificate providing a complete description of your rights and benefits under the contract. Please note: If you require express mail delivery, there is an additional charge listed on the Application Form.

For your convenience, you may choose to download your fulfillment kit from our web site rather than having it mailed to you. To do this, you must check the appropriate box listed in Section 2 of the Application Form. We must have your correct email address to complete this process. Once IMG has received and processed your Application Form, you will receive an email from IMG that contains all of the hyperlinks to easily obtain the fulfillment information through the Internet.

Each proposed hospital admission, in-patient or out-patient surgery, and other procedures as noted in the Certificate Wording must be Precertified for medical necessity, which means the insured person or their attending physician must call the number listed on the IMG Identification Card prior to admittance to a hospital or performance of a surgery. In case of an Emergency Admission, the Precertification call must be made within 48 hours of the admission, or as soon as reasonably possible. If a hospital admission or a surgery is not Precertified, eligible claims and expenses will be reduced by 50%. It is important to note that Precertification is only a determination of medical necessity, not an assurance of coverage, verification of benefits or a guarantee of payment. All medical expenses must meet usual, reasonable, customary, and eligible payment guidelines. Please refer to the Certificate Wording for full details of the Precertification requirements.

For Precertification, emergency evacuation and repatriation, please call: IMG in the U.S.: 1.800.628.4664 (toll free) or 1.317.655.4500. Call IMG outside the U.S.: 001.317.655.4500 (collect if necessary). This information will also be provided on your ID card.


CLAIM PAYMENT
All benefits payable under Patriot Adventure are subject to the provisions described in this brochure and as contained in the Certificate Wording and certificate of coverage. To make claim processing efficient, claims may be paid in two ways.

1. Eligible claims that have been paid by or on behalf of the Insured Person will be reimbursed by check directly to the Insured Person.
2. Eligible claims that have not yet been paid by the Insured Person will, at the option of IMG, be paid either to the Insured Person or directly to the provider.

Please mail completed claim forms to International Medical Group, P.O. Box 88500, Indianapolis, IN 46208-0500 USA. All IMG contact numbers, claim forms and Certificate Wordings will be included in the fulfillment kit. IMG may also be contacted by fax: 1.317.655.4505.

The following is a partial list of benefits and terms that are offered on the Patriot Adventure plans.

EMERGENCY ROOM:
Charges incurred for the use of the Emergency Room due to an accident are covered up to the Maximum Limit.

Charges incurred for the use of the Emergency Room for treatment of an illness are subject to an additional (extra) $250 deductible if treatment does not require admittance to the hospital.

DENTAL:
Injury due to an accident - Each Patriot Adventure plan covers the cost of emergency dental treatment and dental procedures necessary to restore sound natural teeth lost or damaged in an accident up to the Maximum Limit.

Sudden dental pain - Each plan will pay up to $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth.

SUDDEN RECURRENCE OF A PRE-EXISTING CONDITION:
(U.S. citizens only) Up to $1,000 will be reimbursed for the eligible medical expenses of a sudden and unexpected recurrence of a Preexisting Condition (defined on page 10) while traveling outside of the U.S. In addition, up to $25,000 will be reimbursed for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition.

INDEMNITY:
(U.S. citizens only) Patriot Adventure International will pay directly to you $100 for each night of a required overnight stay in a hospital. The hospital stay must be covered under this plan in order to receive this benefit.

BENEFIT PERIOD:
If a covered injury or illness requires continuing treatment after the certificate expires, the 3-month Benefit Period may provide continued coverage. When the certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than three months before the certificate expired, benefits for the covered injury or illness will continue subject to the Maximum Limits until there have been three months of coverage for the covered injury or illness.

INTERNATIONAL EMERGENCY CARE
POLITICAL EVACUATION:
If the United States Department of State, Bureau of Consular Affairs issues a travel advisory that becomes effective on or after the Insured Person’s date of arrival in the Host Country, the Company will pay up to $10,000 for transportation to the nearest place of safety or for repatriation to the Insured Person’s home country or country of residence provided that:

1. The Insured Person contacts the Company within 10 days of the United States Department of State, Bureau of Consular affairs issues the travel advisory;
2. Political Evacuation and Repatriation is approved and coordinated by the Company.

EMERGENCY EVACUATION:
Patriot Adventure includes coverage for emergency medical evacuation from a medical facility to the nearest qualified medical facility; expenses for reasonable travel and accommodations resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred, up to the Maximum Limit.

EMERGENCY REUNION:
Patriot Adventure also provides emergency reunion coverage, up to $10,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation of the insured person: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.

RETURN OF MORTAL REMAINS:
If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered up to a maximum of $15,000.

To be eligible for the Evacuation, Reunion and Return benefits, these must be recommended by the attending physician in critical medical situations, and approved in advance and coordinated by IMG.

COMMON CARRIER ACCIDENTAL DEATH:
If accidental death should occur while traveling on a commercial Common Carrier, $50,000 will be paid to the designated beneficiary, to a maximum of $250,000 per family.

SPORTS AND ACTIVITIES COVERAGE:
Subject to the complete Certificate Terms and Conditions, Patriot Adventure covers injuries incurred during non-contact amateur athletic activities and the following activities: abseiling, BMX, bungee jumping, canyoning, caving, cave tubing, flying (private plane), hang gliding, heli-skiing, high diving, horseback riding, hot air ballooning, jet skiing, jungle zip lining, kayaking, inline skating, motorcycle/motorscooter riding, mountain biking, mountaineering (ropes and guides to 4500m from ground level), paragliding, parascending, rappelling, rock climbing (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snow skiing, snowboarding, snowmobiling, spelunking, surfing, trekking, wakeboarding, water skiing, whitewater rafting (to Class V), wildlife safaris, and windsurfing. These adventure activities must be engaged in solely for leisure, recreation or entertainment purposes. Activities may be organized and include scheduled practices, games, and/or competitions.

Activities not covered include contact sports, professional sports and any athletic activities that are organized and/or sanctioned by the National Collegiate Athletic Association (or any other collegiate sanctioning body) or the International Olympic Committee.

TRIP CANCELLATION:
If, during a covered trip, there is a death of an immediate family member (spouse, child, parent or sibling) or the substantial destruction of the insured’s principal residence, each Patriot Adventure plan will reimburse the insured for the cost of returning the insured to the area of principal residence. The plan will cover reimbursement for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.

LOST LUGGAGE:
This benefit will be paid in the event that the Common Carrier permanently loses an insured person’s checked luggage. This coverage is secondary to any other available coverage, including the Carrier’s.

Charges for the following services, treatments and/or conditions, among others, are excluded from coverage under the Patriot Adventure plans.

1. A Pre-existing Condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom whether or not previously manifested or known, diagnosed, treated, or disclosed.
2. Treatment or surgeries which are elective, investigational, experimental or for research purposes.
3. War, military action, terrorism, political insurrection, protest, or any act thereof. The Company will not pay for a Political Evacuation if there is a travel advisory in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Host Country.
4. Immunizations and routine physical exams.
5. Treatment of Temporomandibular Joint or dental treatment, except as provided for herein.
6. Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrollment into this insurance.
7. Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.
8. Injury sustained while participating in professional sports or any athletic activity that is sponsored or sanctioned by the National Collegiate Athletic Association (or any collegiate governing body) or the International Olympic Committee.
9. Injury sustained while participating in contact sports of any kind as well as the following: mountaineering or climbing above 4500 meters from ground level and without the proper use of ropes and guides; scuba diving below 50 meters; whitewater rafting above Class V; BASE jumping; luge; motocross or Moto-X; racing by horse, motor vehicle of any type, or motorcycle; rodeo; ski jumping; and any Adventure Sport not listed as covered previously.
10. Vision or hearing tests and the provision of visual or hearing aids
11. Vocational, recreational, speech or music therapy.
12. Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.
13. Charges, injuries and/or illnesses resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the insured, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
14. Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
15. Injury and/or illness resulting or arising from being under the influence of alcohol or drugs; and injury or illness resulting from operating of any type of vehicle after consuming any alcohol or drugs.
16. Willful self-inflicted injury or illness, and injury due to reckless endangerment or needless peril.
17. Treatment required as a result of or arising from complications from a treatment or condition not covered hereunder.
18. Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
19. Treatment for mental and nervous disorders.
20. Organ or tissue transplants or related services.
21. Illness or injury where the trip to the host country is undertaken for treatment or advice for such illness or injury, except as provided for herein.
22. Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).

This brochure contains only a consolidated and summary description of all current Patriot Adventure benefits, conditions, limitations and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions and exclusions will be included in the fulfillment kit. The Company reserves the right to issue the most current Certificate Wording for this insurance plan in the event this application and/or brochure has expired, is modified, or is replaced with a newer version. Current Certificate Wordings are available upon request.

MyIMG^sm
Service at your fingertips anytime, anywhere - that’s what MyIMG provides. MyIMG is our proprietary online service that allows you to access information and manage accounts, 24 hours a day, seven days a week, from anywhere in the world. Our service centers in the U.S. and Europe are always available to help or handle emergencies 24 hours a day, but through MyIMG you have immediate access to a wealth of information about your account and can manage routine areas to help you save time when you may need it most. Some features include:

• Get explanation of benefits
• Locate a provider
• Request ID cards
• Initiate precertification
• Obtain certificate documents
• Recommend provider/facility

Locating a Provider
With the Patriot Adventure plans, you may seek treatment with the hospital or doctor of your choice. When seeking treatment in the U.S., you can reduce your out-of-pocket costs by using the independent Preferred Provider Organization (PPO), a separately organized network of hundreds of thousands of established, highly qualified health care physicians and many well-recognized hospitals in the U.S. contracted by IMG. You can quickly search the network through MyIMG. Additionally, to help you locate health care providers outside the U.S., IMG provides its online International Provider Access (IPA), a database of over 17,000 providers

Universal Rx Pharmacy Discount Savings
This is a discount savings program available to every certificate holder of the Patriot Adventure plans. This program allows card members to purchase prescriptions at one of over 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price.

This discount program is not insurance coverage. It is purely a discount program to purchasers of the Patriot Adventure plans. Use of the discount card does not guarantee that prescribed medication is covered under the insurance benefit plan.

Akeso Care Management^® (ACM^®)
The ability to access quality health care is of paramount importance when a medical emergency arises abroad. To coordinate care and provide U.S. and internationally based medical management services, IMG formed ACM, an on-site specialized division devoted entirely to medical management.

The clinical staff consists of qualified physicians and registered nurses who are experts at assessing the need for services and ensuring those services are delivered in a timely, cost-effective manner. ACM has international medical experience, providing services in more than 170 countries worldwide.

ACM is accredited by URAC, an independent, nonprofit organization that is internationally recognized for promoting continuous improvement in the quality and efficiency of health care management. Through a rigorous and comprehensive review that ensures ongoing compliance, ACM earned its URAC accreditation in Health Utilization Management.

From routine medical care to complex case management, from checkups to emergency medical evacuations, ACM is there for you. They are committed to consumer protection and empowerment, quality operations and regulatory compliance. This translates into better care for you - around the world, around the clock.

One Call. One Company.Your Complete International Resource.
IMG offers a comprehensive range of international medical insurance and travel insurance products for every insurance need. Whether you need individual coverage for a vacation, extended coverage for a long term stay abroad, or group coverage for employees in locations around the world, we’ve got the right plan for you and the exceptional services to back them up.

• Short-term Travel Plans
• Long-term Travel Plans
• Travel Insurance / Trip Cancellation Plans
• Employer Group Plans
• Mission Plans
• Marine Plans
• International Student and Educator Plans
• Adventure Sports Plans
• Emergency Evacuation Plans
• Green and Environmentally Friendly Plans

You can spend a great deal of time planning your trip and it is exciting getting everything ready. But what would happen if the airline you selected should go out of business or you’re prevented from taking our trip? Your hard-earned payments could be lost. To help protect you from losing the money you’ve spent to travel, IMG works with iTravelInsured^® (iTI^®) to bring you the Patriot T.R.I.P. Lite program.

This iTI program is designed to provide peace of mind so you can enjoy your travels. The benefits are outlined below and program cost information can be found on the back of the Application Form.

SCHEDULE OF BENEFITS

Trip Cancellation	Trip cost up to $20,000
Travel Delay	$500 ($100 per day after 24 hours up to $500 for a missed connection)
Baggage Delay	$100

Trip Cancellation - Provides coverage for the loss of non-refundable, unused payments when a trip is cancelled prior to departure due to: emergency illness, injury or death to you, a family member or travel companion; financial default; a terrorist incident; jury duty; home made uninhabitable by fire, wind, storm, flood, or vandalism; quarantine; auto accident on way to airport; job termination; cancelled leave for active duty military, police or fire fighters.

Baggage Delay - Reimburses you for the costs you incur to buy reasonable additional clothing and essential personal items when your checked baggage is delayed by a common carrier for more than 24 hours from the actual time of arrival at a destination.

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

Certificate Form No. iTI100-11

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 self-inflicted 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.

The Pre-Existing Condition exclusion is waived if coverage is purchased within 14 days after the date your initial payment for the covered trip was paid to the travel supplier. Insureds also must be medically able to travel on the date coverage is purchased.

If the Pre-Existing Condition exclusion is not waived, your pre-existing condition might still be covered if the answer to all of the following questions is “no.” 1. Were you treated for a new illness in the last 60 days? 2. Has your condition worsened or required medical attention in the past 60 days? 3. Have you received any new medications in the past 60 days or have any of your current dosages been changed?

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. Coverage may vary by state and may not be available in all states. For more information regarding the exclusions and all other terms and conditions of Patriot T.R.I.P. Lite, please see the certificate wording for your state which is available upon request.

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

Insurance products are underwritten and offered where available by Delos Insurance Company, New York, NY 10036.

Plan Administrator:
As the Plan Administrator for Patriot Adventure^SM, IMG acts as the authorized agent for and on behalf of Sirius International.

International Medical Group^®, Inc.
P.O. Box 88509
Indianapolis, IN 46208-0809, USA

Plan Underwriter:

Patriot Adventure is a surplus lines product underwritten by Sirius International Insurance Corporation (publ), rated A (excellent) by A.M. Best and A- by Standard and Poor's (at the time of printing). Sirius International is a White Mountains Re Company.

IMG, International Medical Group, the IMG block design logo, imglobal, Patriot, Patriot Adventure, Coverage Without Boundaries, and Global Peace of Mind are the trademarks, service marks and/or registered marks of International Medical Group, Inc.

Sirius, Sirius International, and the Sirius design logo are the trademarks, service marks and/or registered marks of Sirius International Insurance Corporation (publ).