<<Disclaimer: Verify this information before applying it to your situation.>> 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).