Another time-sensitive benefit on some travel insurance plans is a pre-existing conditions waiver. This could be extremely important for any traveler with a medical condition. As a gift giver, it may be an important addition to a plan as you may not know the travelers’ full medical history. If the travelers file a travel insurance claim due to illness of some kind, the insurance company retains the right to look back through your medical records for a defined period of time (which varies by plan), to help them determine whether or not your illness resulted from a known pre-existing condition. All comprehensive plans exclude coverage for claims relating to a pre-existing condition. If eligible, the pre-existing conditions waiver removes that exclusion.