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What I am asking about is not obtaining new insurance but if their
current insurance will pay on their claims later if they are related to
celiac, if she is diagnosed with celiac.

She already had her kidney removed and the insurance paid for it.  If it
(the trouble with her kidney) had come, however, as a result of celiac
someone suggested that they may not have paid for it as it then would
have been considered pre-existing (ceiliac from birth).