IDR offers affordable, dependable international travel insurance designed to fit your trip and needs.
IDR international travel insurance provides a safety net abroad—covering medical needs, trip disruptions, and giving you peace of mind while exploring the world.
IDR international travel insurance covers doctor visits, hospital stays, and emergency surgeries abroad.
Key Details
Provides coverage for urgent medical treatment while traveling abroad.
Protects against high out-of-pocket costs at foreign hospitals.
IDR international travel insurance covers emergency medical evacuation—transporting you home or to the nearest suitable facility if needed.
Key Details
Covers medical transport and air ambulance expenses while traveling abroad.
Ensures safe transfer to the nearest appropriate facility or back home.
IDR international travel insurance reimburses prepaid trip costs if you must cancel due to illness, natural disasters, or other covered events.
Key Details
Covers cancellations due to illness, natural disasters, or family emergencies.
Helps recover prepaid costs for flights, hotels, and tours.
IDR international travel insurance reimburses for clothes and essentials if your luggage is lost, stolen, or delayed.
Key Details
Provides reimbursement for essential items if baggage is lost, stolen, or delayed while traveling abroad.
IDR international travel insurance reimburses hotel and meal expenses if your flight is delayed or disrupted.
Key Details
Provides coverage for meals, lodging, and transportation during extended travel delays abroad.
IDR international travel insurance gives you 24/7 access to support, anytime and anywhere in the world.
Key Details
Provides 24/7 access to emergency support, multilingual assistance, and local guidance while traveling abroad.
Three easy steps to secure IDR international travel insurance—global coverage before your trip begins.
Enter traveler ages, home country, destinations, and trip dates—IDR will display plans valid for international travel, including Schengen, study, mission, work, or leisure trips.
Review IDR plan coverage for medical limits, emergency evacuation, trip interruption, baggage, and 24/7 assistance. Customize with optional riders such as pre-existing condition waivers, adventure sports, or rental car CDW.
Apply in minutes with IDR, choose your effective date (often same-day), and instantly receive your ID card, certificate, visa letter (Schengen-compliant), and claims instructions.
Trip cancellations, lost luggage, and medical emergencies don’t follow your itinerary — stay protected with IDR Travel Insurance.
Key Details
Get reimbursed for non-refundable trip costs if you cancel for covered reasons.
Enjoy coverage for emergency medical care and evacuation abroad—especially where domestic plans like Medicare fall short.
What to Know About Travel Insurance
Most U.S. health plans don’t cover you overseas.
Medical emergencies and evacuations can be the biggest expenses—choose strong limits.
Trip cancellation/interruption reimburses prepaid, non-refundable costs for eligible reasons.
Adventure sports may need optional riders for coverage.
Pre-existing condition waivers are time-sensitive—purchase soon after your first trip payment.
Fast Next Steps
Have your trip dates, first payment date, traveler ages, and destinations ready.
Let us know your planned activities (skiing, diving, trekking, etc.) so we can match the right coverage and riders.
Delays are inevitable. The right policy helps cover rebooking expenses and unexpected medical costs while you wait.
Key Details
Trip interruption benefits help you return home early or rejoin your trip if plans change unexpectedly.
24/7 global support connects you with hospitals, translators, and travel logistics when you need help fast.
What to Know About Travel Insurance
Most U.S. health plans—including Medicare—offer little or no protection overseas.
Emergency medical and evacuation costs can be significant—choose strong coverage limits.
Trip cancellation/interruption reimburses prepaid, non-refundable expenses for covered reasons.
Adventure sports may need optional riders for full protection.
Pre-existing condition waivers are time-sensitive—secure your plan soon after your first trip payment.
Fast Next Steps
Gather trip dates, deposit date, traveler ages, and destinations.
Share planned activities (like skiing, diving, or trekking) so we can match the right coverage.
Many schools and universities require proof of international medical and evacuation coverage before enrollment or travel.
Key Details
Fulfills most university and visa insurance requirements, including medical and evacuation coverage.
Flexible options for long-term study programs and multi-country travel.
What to Know About Travel Insurance
Domestic health plans—especially Medicare—often provide little to no coverage abroad.
Emergency medical and evacuation costs can be substantial, so verify strong coverage limits.
Trip cancellation/interruption reimburses prepaid, non-refundable expenses for covered events.
Adventure sports may require optional riders for coverage.
Pre-existing condition waivers are time-sensitive—purchase soon after your initial trip payment.
Fast Next Steps
Have trip dates, deposit date, traveler ages, and destinations ready.
Share details on planned activities (e.g., skiing, diving, trekking) so we can recommend the right riders.
Some countries require proof of travel insurance with specific medical and evacuation coverage limits for visa approval.
Key Details
Get visa-ready proof of coverage that meets country-specific medical and evacuation requirements.
Includes documentation for embassy submissions and repatriation standards.
What to Know About Travel Insurance
Most U.S. health plans (including Medicare) offer little to no coverage abroad.
Emergency medical care and evacuation are the biggest cost risks—strong limits are essential.
Trip cancellation/interruption reimburses prepaid, non-refundable expenses for covered reasons.
Adventure sports may need optional riders for full protection.
Pre-existing condition waivers are time-sensitive—purchase soon after your first trip payment.
Fast Next Steps
Gather trip dates, first deposit date, traveler ages, and destination countries.
Share planned activities (skiing, diving, trekking) so we can include the right riders and ensure full compliance.
Onboard medical care and emergency air evacuations can cost a fortune—travel insurance keeps it affordable.
Key Details
Includes coverage for onboard medical treatment, missed ports, and emergency evacuations.
Assists with weather-related disruptions, rebookings, and connecting travel arrangements.
What to Know About Travel Insurance
Many domestic health plans (including Medicare) offer little to no coverage outside the U.S.
Emergency medical care and evacuations can be the most expensive parts of a trip—strong coverage limits are essential.
Trip cancellation or interruption benefits reimburse prepaid, non-refundable expenses when plans change for covered reasons.
Adventure or cruise excursions may need specific add-on riders for full protection.
Pre-existing condition waivers are time-sensitive—purchase coverage soon after your first trip payment.
Fast Next Steps
Have your trip dates, first payment date, traveler ages, and destinations ready.
Share your planned activities (cruises, excursions, adventure tours) so we can include the right add-ons.
Planning activities like skiing, diving, or trekking? Standard IDR travel insurance may exclude them—add an optional rider for full coverage.
Key Details
Optional coverage is available for higher-risk activities such as skiing, diving, or trekking.
Verify altitude limits, dive depth, and guide requirements before your trip.
What to Know About Travel Insurance
U.S. health plans, including Medicare, often provide limited or no coverage abroad.
Emergency medical care and evacuation are major potential expenses—ensure your limits are sufficient.
Trip cancellation/interruption reimburses prepaid, non-refundable costs for covered reasons.
Adventure sports are excluded from standard plans unless you add specific riders.
Pre-existing condition waivers are time-sensitive—purchase coverage soon after your initial trip payment.
Fast Next Steps
Have your trip dates, first payment date, traveler ages, and destination countries ready.
Provide details on planned activities (skiing, diving, trekking) so we can include the appropriate riders.
Medicare usually offers little to no coverage abroad—IDR travel insurance fills the gap so you’re protected.
Key Details
IDR travel medical insurance fills the coverage gap for care outside the U.S.
Choose plans with higher medical limits and strong emergency evacuation coverage.
What to Know About Travel Insurance
U.S. health plans, including Medicare, often provide little to no coverage abroad.
Emergency medical care and evacuation are the largest potential expenses—ensure limits are sufficient.
Trip cancellation/interruption reimburses prepaid, non-refundable costs for covered reasons.
Adventure or high-risk activities may require optional riders.
Pre-existing condition waivers are time-sensitive—purchase coverage soon after your first trip payment.
Fast Next Steps
Have trip dates, first deposit date, traveler ages, and destinations ready.
Share your planned activities (skiing, diving, trekking) so we can include the appropriate riders.
IDR international travel insurance offers coverage across multiple countries with options to extend protection for several months.
Key Details
IDR offers multi-trip and long-duration travel insurance plans.
Choose primary or secondary coverage depending on your existing home insurance.
What to Know About Travel Insurance
U.S. health plans, including Medicare, often provide limited or no coverage abroad.
Emergency medical care and evacuation can be the largest expenses—ensure your plan has sufficient limits.
Trip cancellation/interruption reimburses prepaid, non-refundable costs for covered reasons.
Adventure or high-risk activities may require optional riders.
Pre-existing condition waivers are time-sensitive—purchase coverage soon after your first trip payment.
Fast Next Steps
Have your trip dates, first deposit date, traveler ages, and destinations ready.
Share planned activities (skiing, diving, trekking) so we can add the appropriate riders.
A single travel mishap can impact the whole trip. IDR lets you bundle coverage and simplify claims for peace of mind.
Key Details
IDR offers group travel insurance with one policy for your entire party.
Dependent children can be included under the same benefits where available.
What to Know About Travel Insurance
U.S. health plans, including Medicare, often provide limited or no coverage abroad.
Emergency medical care and evacuation are the largest potential expenses—ensure limits are sufficient.
Trip cancellation/interruption reimburses prepaid, non-refundable costs for covered reasons.
Adventure or high-risk activities may require optional riders.
Pre-existing condition waivers are time-sensitive—purchase coverage soon after your first trip payment.
Fast Next Steps
Have trip dates, first deposit date, traveler ages, and destinations ready.
Share planned activities (skiing, diving, trekking) so we can add the appropriate riders.
Timing matters—IDR travel insurance plans often need to be purchased shortly after your first trip deposit to secure full coverage, including pre-existing condition waivers.
Key Details
Purchase within the plan’s “look-back” window to qualify for a pre-existing condition waiver.
Provides coverage for cancellations and medical events related to eligible prior conditions.
What to Know About Travel Insurance
U.S. health plans, including Medicare, often offer little to no coverage abroad.
Emergency medical care and evacuation can be the largest expenses—ensure your coverage limits are sufficient.
Trip cancellation/interruption reimburses prepaid, non-refundable costs for covered reasons.
Adventure or high-risk activities may require optional riders.
Pre-existing condition waivers are time-sensitive—buy coverage soon after your first trip payment.
Fast Next Steps
Have trip dates, first deposit date, traveler ages, and destinations ready.
Share planned activities (skiing, diving, trekking) so we can add the appropriate riders.
The total value of your prepaid, non-refundable trip expenses that your IDR travel insurance will protect.
What it is
The total of your non-refundable travel expenses—flights, hotels, tours, and cruise deposits—that you want covered by IDR travel insurance.
Why it matters
Trip Cancellation and Interruption benefits reimburse up to this amount. Only insure what you cannot recover on your own.
Example
$3,200 in non-refundable bookings → set your insured trip cost to $3,200.
IDR travel insurance reimburses your non-refundable trip expenses if you need to cancel for a covered reason.
Covered Reasons (Examples)
Illness or injury, weather-related shutdowns, labor strikes, jury duty, home becoming uninhabitable, or supplier bankruptcy (depending on plan).
Timing
Coverage typically starts the day after purchase, provided you buy before any issues arise.
Note
“Cancel For Any Reason” (CFAR) is an optional upgrade with strict purchase deadlines and reimbursement limits.
IDR travel insurance reimburses expenses if you need to cut your trip short or return home due to a covered event.
What it Pays
Unused, non-refundable trip expenses
Extra transportation costs to return home or rejoin your itinerary
Pro Tip
Coverage limits often range from 100–150% of your insured trip cost to accommodate last-minute one-way fares.
IDR travel insurance covers medical treatment for unexpected illness or injury while you’re traveling abroad.
What to Look For
High coverage limits (e.g., $100,000–$250,000+ for international trips)
Primary coverage preferred, so the policy pays first without relying on your domestic health plan
Reality Check
Many U.S. health plans provide little or no coverage abroad, and Medicare generally does not cover care outside the U.S.
IDR travel insurance covers emergency medical transport to the nearest appropriate facility—or back home when eligible.
Why It Matters
Air ambulance services can cost $50,000–$250,000 or more. Strong IDR travel plans offer limits of $250,000–$1,000,000+ to ensure you’re fully protected.
Fine Print
Medical evacuation must be deemed necessary and coordinated by IDR’s assistance team.
IDR travel insurance protects your luggage and personal belongings if they are lost, stolen, or damaged during your trip.
Know the Caps
Overall coverage limit plus per-item sub-limits
Special caps for valuables like jewelry and electronics
Pro Tip
Keep receipts or valuations and file claims with the insurer first if the airline or carrier is responsible.
IDR travel insurance reimburses expenses for meals, lodging, and transportation during covered travel delays.
Typical Triggers
Coverage applies after a minimum delay (e.g., 6–12+ hours) with documentation from the carrier.
Missed Connection
Reimburses additional expenses to rejoin a tour or cruise if you’re delayed for a covered reason.
IDR travel insurance can waive pre-existing condition exclusions if purchased within the required timeframe and eligibility rules are met.
Common Requirements
Purchase within 10–21 days of your first trip payment
Insure 100% of non-refundable trip costs
Be medically able to travel at the time of purchase
Look-Back Period
Without a pre-existing condition waiver, insurers review your medical history over the recent months (typically 60–180 days) to determine coverage eligibility.
IDR travel insurance can be set as primary—pays first—or secondary, covering costs after your other insurance has paid.
Why It Matters
Primary coverage handles claims directly, ensuring faster payment and less paperwork. Secondary coverage may delay reimbursement until your other insurance has processed the claim.
IDR travel insurance offers optional riders to cover higher-risk activities that standard plans often exclude.
Examples
Scuba diving, mountaineering, heli-skiing, motorsports—coverage depends on the plan.
Action
Include the optional rider if your trip involves activities beyond standard sightseeing.
Why Bundle with Group Health
Supports employees with deductibles, travel, time off work, and other non-medical expenses.
Things to Know
Coverage applies to specific conditions; waiting periods and survival requirements may apply.
IDR travel insurance specifies your coverage area and provides required documents, such as Schengen-compliant proof of insurance.
Check the Map
Some plans exclude sanctioned countries or your home country. Cruise trips are usually considered international.
Schengen Proof
IDR travel insurance can provide a visa letter showing medical and evacuation limits that meet consulate requirements.
IDR travel insurance outlines when coverage begins and ends, including deadlines for optional add-ons like Cancel For Any Reason (CFAR).
Key Timing
Cancellation: Typically effective the day after purchase
Medical/Evacuation: Usually starts at trip departure and ends upon return
CFAR/Pre-existing Condition Waivers: Must be purchased shortly after your first trip payment
Explore the IDR Insurance Resource Center for answers to your questions, the latest industry insights, and helpful tools to navigate your insurance and financial decisions.
Our licensed agents are certified in multiple states—call us or request a callback!
Trusted by customers worldwide for dependable service and exceptional results.
“I’ve never felt more secure. IDR Insurance gave me peace of mind knowing my home and belongings are fully protected.”
“The customer support is outstanding. They answered all my questions and guided me through choosing the right coverage for my needs.”
“Affordable rates, excellent coverage, and a team that genuinely cares. IDR Insurance has been a game-changer for my family.”
IDR travel insurance is a short-term policy that safeguards you financially while abroad, covering medical emergencies, trip cancellations, lost baggage, and other unexpected travel mishaps.
Yes. Most domestic health plans don’t cover you outside your home country, or they reimburse at very low rates. Travel insurance fills those gaps.
Not by default. You usually need to add an “adventure sports rider” to cover higher-risk activities.
Some IDR travel plans exclude pre-existing conditions, but many offer a waiver if purchased shortly after your trip booking. Always disclose medical conditions when applying to ensure coverage.
IDR travel insurance reimburses additional hotel stays, meals, and rebooking fees if a covered delay or cancellation occurs.
Yes—most plans reimburse for lost, stolen, or delayed baggage, though coverage limits apply.
Call, text, or click. We’re ready when you are.
Call: (636) 556-5555, (314) 499-8888
Mail: support@idrinsurance.com
Chesterfield Office: 691 Trade Center Blvd, Chesterfield, MO 63005
Ofallon Office: 1001 Boardwalk Springs Pl #111, O'Fallon, MO 63368
