Why Consider Travel Insurance?

Why Patriot PlatinumSM?

As you expect first-rate protection when you travel, the two Patriot Platinum plans offer a complete package of international benefits available 24 hours a day. Patriot Platinum InternationalSM provides coverage for U.S. citizens traveling outside the U.S. with coverage for brief returns to the U.S., while Patriot Platinum AmericaSM provides coverage for non-U.S. citizens traveling outside their home country. Both plans are available for a minimum of 10 days up to a maximum of three years. Additionally, the plans offer enhanced benefits and services to meet your global needs. You can choose from an extensive range of deductibles and Maximum Limits, you have exclusive access to our Global Concierge and Assistance ServicesSM, and you have access to more than 17,000 providers through our International Provider AccessSM (IPA) when seeking treatment outside the U.S. 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. A Unique, Full-Service Approach 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®.

ELIGIBILITY

The following conditions apply to all persons applying for and/or enrolling in Patriot Platinum Travel Medical Insurance.

• Patriot Platinum Travel Medical Insurance is travel insurance for U.S. citizens traveling outside the United States with coverage for brief returns to the U.S., and for non-U.S. citizens traveling outside their home country.
• For those under 65 years of age and visiting the U.S., your initial Period of Coverage must begin within six months of arrival in the U.S. For those 65 years of age and older, it must begin within 30 days of arrival. These requirements will be waived with proof of previous valid international travel insurance. Prior U.S. domestic health care coverage does not meet this eligibility requirement. Please provide the name of your international insurance carrier on the Application Form. If you are not in the U.S. at the time of application, please indicate your expected date of arrival on your Application Form.

RENEWAL OF COVERAGE

If your Patriot Platinum plan is purchased for a minimum of three months, coverage ma y be renewed (unless there is a break in coverage) for a total of up to three years. Renewals are available in whole month or daily increments and may be completed online or by using a paper application, however, renewals of less than one month are available only online. For each renewal of less than one month completed online, you will be charged an additional $5 processing fee. Each insured person must only satisfy one deductible and coinsurance within each 12 month coverage period. Please note: Renewal rates may differ from initial rates.

(U.S. citizens only) For those up to age 65 with a primary health plan, Patriot Platinum International will pay the Usual, Reasonable and Customary charges of a sudden and unexpected recurrence of a Pre-existing Condition (defined on page 16) up to the plan maximum. For those without a primary health plan, Patriot Platinum International will pay up to a $20,000 lifetime maximum. For those age 65 and older, with or without a primary health plan, Patriot Platinum International will pay up to a $2,500 lifetime maximum. The primary health plan must have existed prior to the effective date and during coverage of the Patriot Platinum plan, and the Pre-existing Condition must be covered under the primary health plan. In addition, up to $25,000 will be paid 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.

SUDDEN AND UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION:

(Non-U.S. citizens only) For those under age 65, Patriot Platinum America will pay up to a $20,000 lifetime maximum for eligible medical expenses and up to a $20,000 lifetime maximum for emergency medical evacuation.

NOTE FROM ROCO: Patriot Platinum is a Premier Visitors Insurance. If you or your loved one is traveling to the United States then Patriot Platinum is a visitors insurance for age 65 and below. For visitors and residents who have Green Cards alike Patriot Platinum America offers higher coverages at $1, $5, and $8 million in coverage. This Premier Visitors insurance also offers up to $50,000 for an acute onset of a pre-existing condition. Please see the full brochure at the top of the page for all the policy details including the exclusions on what is not covered. Please contact us if you have any questions.

For more information:

ROCO Insurance Agency, LLC.

info@rocoinsurance.com

www.rocointernationalmedical.com

P: (888)589-7610

P: (214)-385-4960