Travel Smarter. Travel Protected.

From trip delays to medical emergencies abroad, IDR Travel Insurance helps keep your journey worry-free.

Why Travel Insurance Is Essential

Travel is full of adventure—but also unexpected risks like illness, lost luggage, trip cancellations, or weather disruptions. IDR Travel Insurance protects you financially, so one mishap won’t ruin your trip or your budget. Enjoy every journey with peace of mind.

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Travel Insurance Coverage Options

Trip canceled, luggage delayed, or medical emergency overseas? IDR Travel Insurance provides coverage that goes wherever your journey takes you.

Trip Cancellation

Covers and reimburses your non-refundable prepaid travel expenses with IDR Travel Insurance.

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Trip Cancellation

Covers and reimburses your non-refundable prepaid travel expenses with IDR Travel Insurance.

Covers trip interruptions for reasons such as illness, injury, severe weather, jury duty, and more (as outlined in the policy).
Protects non-refundable expenses for flights, hotels, tours, and travel packages.

Trip Interruption

Covers expenses if you need to shorten or cut your trip short.

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Trip Interruption

Covers expenses if you need to shorten or cut your trip short.

Covers unused trip costs and extra return travel expenses for eligible reasons.

Emergency Medical

Covers medical expenses, including doctor visits and hospital care, while traveling.

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Emergency Medical

Covers medical expenses, including doctor visits and hospital care, while traveling.

U.S. health insurance often doesn’t cover medical expenses abroad.
Select coverage limits based on the risks of your travel destination.

Medical Evacuation

Covers emergency air ambulance transport and repatriation if needed.

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Medical Evacuation

Covers emergency air ambulance transport and repatriation if needed.

Provides coverage for transport to the nearest suitable medical facility or back home, according to policy terms.
Essential protection for remote locations or international travel.

Baggage & Personal Effects

Covers repair, replacement, or reimbursement for lost, stolen, or damaged belongings during your trip.

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Baggage & Personal Effects

Covers repair, replacement, or reimbursement for lost, stolen, or damaged belongings during your trip.

Protects against theft, loss, or damage of personal items up to your policy limits.
Note: Special limits may apply for electronics, jewelry, and other high-value items.

Baggage Delay

Covers emergency purchases for essentials while your baggage is delayed.

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Baggage Delay

Covers emergency purchases for essentials while your baggage is delayed.

Reimburses essential items like toiletries, clothing, and chargers after the policy’s waiting period.

Travel Delay

Covers meals, lodging, and other incidentals if your trip is delayed or interrupted.

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Travel Delay

Covers meals, lodging, and other incidentals if your trip is delayed or interrupted.

Coverage activates if flights or other common carriers are delayed past the policy’s specified time threshold.

Missed Connection

Reimburses additional travel or accommodation costs if a delay causes you to miss a connecting flight or trip segment.

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Missed Connection

Reimburses additional travel or accommodation costs if a delay causes you to miss a connecting flight or trip segment.

Reimburses costs for alternate transportation and additional lodging due to covered travel disruptions.

Pre‑Existing Condition Waiver

Optional coverage that safeguards specific pre-existing or known conditions.

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Pre‑Existing Condition Waiver

Optional coverage that safeguards specific pre-existing or known conditions.

Typically must be purchased within a specified timeframe after your initial trip payment.

Cancel For Any Reason (CFAR)

Offers maximum flexibility as an optional add-on to your travel coverage.

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Cancel For Any Reason (CFAR)

Offers maximum flexibility as an optional add-on to your travel coverage.

Covers a portion of trip costs (typically 50–75%) for cancellations not included in standard coverage.
Must be purchased within a specific time frame to be valid.

Rental Car Collision

Covers repair or replacement expenses for a rental vehicle due to accident or damage.

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Rental Car Collision

Covers repair or replacement expenses for a rental vehicle due to accident or damage.

Can reduce or eliminate the need to purchase expensive rental car waivers at the counter.

24/7 Travel Assistance

Access to personalized concierge services, care coordination, and specialist referrals.

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24/7 Travel Assistance

Access to personalized concierge services, care coordination, and specialist referrals.

Assistance with finding medical care, replacing passports, securing legal aid, and other travel support services.

Who Needs Travel Insurance?

Frequent Flyers

Ideal for frequent business travelers and global jet-setters who are constantly on the move.

Families on Vacation

Perfect for families—parents and children traveling together—ensuring peace of mind and safety.

International Travelers

Ideal for travelers going overseas, where medical costs and regulations may differ.

Students Abroad

Perfect for exchange students and study-abroad programs needing reliable travel protection.

Travelers with Health Concerns

Ideal for travelers with pre-existing conditions who require medical coverage abroad.

Adventure Seekers

Perfect for adventure travelers—hikers, skiers, divers, and explorers—seeking coverage for higher-risk activities.

Cruise Travelers

Ideal for cruise travelers and passengers seeking protection for trip cancellations, delays, or emergencies while at sea.

Casual Vacationers

Perfect for travelers seeking comprehensive trip protection and peace of mind.

Not seeing your activity listed?

Travel Insurance Made Simple

Travel with peace of mind—your trip is protected every step of the way.

  • Trip Cancellation Protection – Reimburse non-refundable trip costs if plans change.
  • Emergency Medical Coverage – Medical expenses abroad covered when you need it most.
  • Lost & Delayed Baggage – Replace essentials and recover lost luggage.
  • 24/7 Global Assistance – Help with care, travel, legal aid, and more anytime.
  • Get Your IDR Travel Insurance Quote Today
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Expert Guidance Whenever You Need It

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.

File A Claim

Start the process of reporting an insurance claim.

Update My Policy Info

Modify contact, coverage, or account details.

Upload Document

Send us necessary documents securely online.

Policy Review Request

Request a full review of your current policy.

Schedule A Call

Book a call with your insurance advisor.

Real Client Feedback

Trusted by customers worldwide for dependable service and exceptional results.

“IDR Insurance made everything simple. Signing up was quick, and when I filed a claim, the process was smooth and stress-free.”

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“I’ve never felt more secure. IDR Insurance gave me peace of mind knowing my home and belongings are fully protected.”

1

“The customer support is outstanding. They answered all my questions and guided me through choosing the right coverage for my needs.”

1

“Affordable rates, excellent coverage, and a team that genuinely cares. IDR Insurance has been a game-changer for my family.”

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Frequently Asked Questions

IDR Travel Insurance generally covers trip cancellations, emergency medical care while abroad, lost or delayed baggage, travel delays, and 24/7 worldwide assistance. Specific benefits and limits may vary depending on your chosen plan.

If you’re traveling abroad or booking non-refundable trips, IDR Travel Insurance helps protect you from unexpected costs—like last-minute cancellations, medical emergencies overseas, or other travel disruptions.

Most IDR Travel Insurance plans provide emergency medical and evacuation coverage abroad—essential since many U.S. health plans offer limited or no international protection.

Many IDR Travel Insurance plans now include COVID-related trip cancellation and medical coverage. Always check the policy for covered reasons and exclusions before purchasing.

IDR Travel Insurance premiums typically range from 4–10% of your total trip cost, depending on traveler age(s), destination, trip length, and chosen coverage level.

Talk to a Real Agent

Talk to a Real Agent

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