Are you a student aged 25 or less enrolled in school or summer camp who will be going on a trip? Are you a parent paying for the trip of such a student? Traveling can be quite an adventure, but it can also be a lot of work. You have to ensure that adequate arrangements are made, the passport is updated if necessary, and the required deposits are paid. But what if this trip is prevented due to illness or injury before or during the trip? What if the selected airline or cruise line should go out of business? Your hard earned payments could be lost.

To help protect you from losing the money you've spent for the trip, there is Patriot Student^SM T.R.I.P., (Travel Itinerary Protection), a trip cancellation insurance plan. Patriot Student T.R.I.P. provides coverage for many of those unforeseen circumstances that may force the cancellation of travel plans or interrupt a covered trip. 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.

With Patriot Student T.R.I.P., you may recover nonrefundable, unused payments and deposits when a trip is cancelled or interrupted for a variety of reasons. Benefits are also provided for travel delays, baggage delays, and emergency medical treatment while away from home.

Separate from these benefits, International Medical Group^® (IMG^®) can provide non-insurance emergency travel assistance, such as helping replace lost travel documents or lost prescriptions, emergency cash transfers, and legal and medical referrals when necessary. All of these services are designed to make the trip as stress-free as possible.

Traveling can be an exciting adventure, but the unexpected could happen. Get the protection you need with Patriot Student T.R.I.P.

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.

Since 1990, International Medical Group has provided a full-service approach to insurance coverage. IMG and its wholly-owned subsidiary, International Medical Administrators, Inc., have provide coverage service to more than 500,00 clients in 150 countries.

IMG earns the confidence of its 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.

Patriot Student T.R.I.P. insureds automatically become members of the National Small Business Travel & Health Association (NSBTHA). Through this association, travelers will be provided with non-insurance emergency travel assistance services and information about events, legislation, and other matters that affect travel. Information about NSBTHA is available at www.nsbtha.com

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 a travel companion on the way to the scheduled departure point
• Cancelled leave if the insured or a travel companion is on active duty for the military, police or fire department
• Employer termination or layoff

The amount of your trip you elect to protect, up to $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 a travel companion
• Missed cruise departures because of flight delay due to bad weather

Up to $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 $500 per student

Baggage Delay

Up to $50 per student

Emergency Medical/Dental Expenses

Up to $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 away 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 IMG determines it is medically necessary to transfer you to a medical facility nearer to your primary residence

Up to $10,000 per student

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 $2,000 per student

Common Carrier AD&D

Up to $5,000 per student

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

1. A Pre-Existing Condition, except as waived by IMG under the terms of the Policy.
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 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.

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.

IMG will not pay for any services or covered expenses incurred as a result of a pre-existing condition. However, this pre-existing condition exclusion is waived if the insured is under the age of 70 and coverage is purchased within 14 days from the date your initial deposit for the covered trip was paid to the travel supplier, and all insureds are medically able to travel on the date coverage is purchased.

If you are paying by credit card, you can apply online right on this web site. You will get immediate confirmation in the email.

If you want to apply using paper application, or if you need to pay by check or money order, please fill the application (link on the top of this page) and calculate the program cost based on the cost of your trip, your age, and ages of your travel companions. Once you have completed the Application, return it to us at

Insubuy^®, Inc.
4700 Dexter Dr, Suite 100
Plano, TX 75093

Subject to acceptance of your Application and payment of the program cost, coverage for all benefits except trip cancellation will begin on the departure date. The trip cancellation benefit will begin at 12:01 AM Eastern Time on the day after we receive your Application.

Patriot Student T.R.I.P. coverage ends on the earliest of the following dates: 1) Arrival at the insured's return destinations; 2) The return date; 3) The end of the coverage term as indicated on the certificate; or 4) Cancellation of the covered trip.

Paper applications normally are processed within 24 hours of receipt. Once processing is complete, a fulfillment kit will be mailed to the mailing address listed on the Application unless you request online fulfillment. The fulfillment kit will include your coverage verification letter, an insurance certificate, and an explanation of the non-insurance emergency travel assistance services available as a benefit of membership in the NSBTHA.

If you are not satisfied for any reason, you may return the certificate to us within 10 days after receipt provide the insured has not already departed on the trip or filed a claim. The program cost will then be refunded, and the certificate will be void from the beginning.

You may choose to download your fulfillment kit from the Internet rather than having it mailed to you. To do this, you must check the appropriate box on the Application. We must have your correct email address to complete this process. Once we have received and processed your Application, you will receive an email that contains all the hyperlinks to obtain the fulfillment information through the Internet.

To file a claim, please contact:
International Medical Group, Inc.
P.O. Box 44914, Indianapolis, IN 46244 USA
Phone: 866.243.7524 or 317.655.9798
Fax 317.655.4505

Written notice of claim must be given to IMG within 30 days after a covered injury, illness or loss occurs or begins. If such notice can not be given during such time, then it must be done as soon as reasonably possible. The notice must include the claimant's name, your name and the certificate number.

Written proof of loss must be sent to IMG within 90 days after the end of each period that benefits are payable. For any other loss, written proof must be given within 90 days after the date of loss. If proof of loss can not be given in that time, such proof of loss must be given as soon as reasonably possible.

1. All Conditions and Exclusions apply to these coverages.
2. All Emergency Medical Evacuation, Emergency Reunion and Return of Mortal Remains expenses and services that are incurred must be approved and coordinated in advance to be eligible for coverage.

Separate from the benefits under Patriot Student T.R.I.P., as a member of NSBTHA the following non-insurance Emergency Travel Assistance Services are available to travelers 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 you monitor your condition. IMG can 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 personal, emergency telephone translation services and referral to a local interpreter service should you require language assistance.