Most insurance companies provide benefits for pancreas transplants.
The key is to be persistent. The first step is to get approval from your insurance company to go for an evaluation for a transplant. Start with a referral to the transplant center from your doctor listing the medical necessity for the evaluation. This referral should be copied to the transplant center, your insurance company and to you. If they say no, ask for a written explanation of their reason so you have a basis to appeal.