Patriot Travel Medical Insurance - International Protection Package

PATRIOT TRAVEL MEDICAL INSURANCE^sm
IMG's International Protection Package....

To provide complete protection while you are traveling, each Patriot Travel Medical Insurance^sm plan includes the following benefits:

A. Schedule of Benefits:

	Deductible - Your choice of US$100, per occurrence, or $250, $500, $1,000 or $2,500 per insured person, per policy period
	Coinsurance - 80% of all eligible expenses up to US$5,000 then 100% up to the Policy Maximum
	Emergency Evacuation - Policy Maximum when coordinated through IMG^sm
	Repatriation Expenses - US$25,000 when coordinated through IMG^sm
	Emergency Reunion Expenses - US$15,000 when coordinated through IMG^sm
	Local Ambulance Expense - To policy maximum
	Accidental Death and Dismemberment - US$25,000 principal sum
	Hospital Room and Board - Average semi-private room rate up to the Policy Maximum
	Intensive Care - 3x the average semi-private room rate up to the Policy Maximum
	Medical Expenses - Usual, reasonable and customary up to the Policy Maximum
	Outpatient Medical Expenses - Usual, reasonable and customary up to the Policy Maximum
	Benefit Period - Six months
	Period of Coverage - Minimum 15 days and maximum 12 months, any one policy period*

* ExPatriot Plus^smmust be taken out for a minimum of 6 months and is renewable in 6 month increments for 2 years, total.

B. Emergency Medical Evacuation and Repatriation:

In the event of a serious accident or illness, emergency treatment at a qualified medical facility is crucial. If qualified treatment is not available locally, the cost of an emergency evacuation can be from US$5,000 to US$100,000 - and require payment in advance. Patriot Travel Medical Insurance^sm includes coverage for emergency medical evacuations up to the policy limit for each covered person to the nearest qualified medical facility or the country of citizenship.

IMG^sm provides 24 hour a day, 7 day a week contact from anywhere in the world. Our on site medical professionals coordinate all aspects of an evacuation with the local medical providers, the transport company and the receiving hospital. Worldwide coverage ensures immediate access to qualified treatment for your medical emergency.

Patriot Travel Medical Insurance^sm covers:

Expenses for Emergency Medical Evacuations to the nearest qualified medical facility or the country of citizenship up to the Policy Maximum.
Expenses for reasonable travel and accommodations resulting from the evacuation.
The cost of returning to either the country of citizenship or the country where the evacuation occurred.
Expenses for Repatriation of bodily remains or ashes to the country of citizenship up to a maximum of US$25,000 for a covered injury or illness that results in death.

C. Emergency Reunion:

During a medical emergency having a family member near by brings comfort and peace of mind. Patriot Travel Medical Insurance^smincludes coverage for the travel and lodging expenses of a relative or friend during a Emergency Medical Evacuation. The travel expenses for the relative or friend may be either the cost of accompanying during the evacuation or traveling from the country of citizenship. The reunion expenses are covered up to US$15,000 for a maximum of 15 days. To make scheduling easier, all arrangements must be approved and coordinated by IMG^sm.

D. Accidental Death and Dismemberment:

Patriot Travel Medical Insurance^smincludes US$25,000 principal sum benefit for Accidental Death and Dismemberment. For covered Accidental Death or Dismemberment occurring during the period of coverage, Patriot Travel Medical Insurance^smwill pay as follows

Accidental Loss of life: principal sum

Accidental Loss of two Members: principal sum

Accidental Loss of one Member: 50% of principal sum

"Member" means hand, foot or eye. For additional information please see Conditions of Coverage section.

E. Special Coverages:

Patriot Travel Medical Insurance^smincludes the following special provisions:

Incidental Home Country Coverage: During the period of coverage an insured person may return to their country of citizenship for incidental visits of up to two weeks total. The following conditions apply to this coverage:

The insured person must have left their country of citizenship.
Total Period of Coverage must be for a minimum of 30 days.
The return to the country of citizenship may not be taken to receive treatment for a condition incurred while traveling.

End of Trip - Home Country Coverage: If you are enrolling in Patriot Travel Medical Insurance^sm for a minimum of six months, you may purchase up to one additional month for home country coverage at the time of enrollment.
Benefit Period- If a covered injury or illness has continuing treatment after the policy expires, the Benefit Period may provide continued coverage. When the policy expires, IMG^sm will review the date of initial treatment for the covered injury or illness. If treatment began less than six months before the policy expired, benefits for the covered injury or illness will continue subject to the Policy Limits until there has been six months of coverage. The Benefit Period serves as an extension of benefits and does not limit the treatment time during the Policy Period.

F. Sports and Activities Coverage:

As outlined below, Patriot Travel Medical Insurance^smincludes coverage for basic sports and optional riders for higher risk, named sports. The following is not covered:

	Amateur or professional sports or other athletic activity which is organized and/or sanctioned, involving regular or scheduled practices and/or regular or scheduled games. Unless a named hazardous activity, this exclusion does not include: Amateur athletic activities which are non-contact and engaged in by an insured person solely for leisure, recreational, entertainment or fitness purposes.
	The following named hazardous activities are excluded but may be added by the Optional Sports Rider: Scuba diving, mountain climbing (where ropes or guides normally used), jet, snow and water skiing and snowboarding, sky diving, amateur racing, piloting an aircraft, bungee jumping and spelunking.

G. Eligibility Requirements:

The following conditions apply for all Person's enrolling in Patriot Travel Medical Insurance^sm

For those over age 65 and visiting the US, your initial Period of Coverage must begin within 30 days of arrival in the U.S. Please attach a copy of your Visitors Visa to the Enrollment Form.
This insurance is not available to non-US citizens who are residing in New York, California or Florida at the time of Application. This does not apply when the Effective Date coincides with the individuals departure date.

*If you are not in the US at the time of application, please indicate Expected Date of Arrival on Enrollment Form.