Did FiTour give you a code? If so you should be able to click on Membership and go through the prompts and use the code.
It might be simpler to call Ideafit directly at 1 800 999 4332. They are very helpful, and when I have called with a question I have never waited very long, or failed to reach an actual person. Once you have the membership done you can just go to the Insurance tab at the top and doing the insurance is very easy.