Should palliative care always be covered by insurance?

A trick question!: If you're asking me to make a judgement, then yes, insurance companies should cover palliative care. Not only is it the right thing to do ethically, but it has been shown to decrease the overall cost of care for a terminal patient. If you're asking if your insurance company will pay for palliative care, the answer is "not necessarily". You need to check with them.

Yes: Every body deserves dignity in their final years or when no further medical curative therapy is available.

Yes, but often isn't: Pc physicians can bill for the primary diagnosis.