I always purchase trip insurance, but I have an odd question. I am currently on a kidney transplant list. If I were to get a call before a trip, would my trip insurance cover it, or is it a pre-existing condition that may not be covered? Obviously, I have no control over when I will come up on the list, and the kidney is a no-brainer, because dialysis sucks. I just wondered if I lose my points, they go into holding, or I can use my insurance.