This is a good question. The common explanation given seems to be that the inquilines don't have any special adaptations; perhaps only organisms that first drown and die can be digested and the enzymes are not strong enough to cause damage to living tissues, so anything aquatic has the potential to survive in a pitcher. However, I am only aware of one paper actually testing whether there is anything special about the physiology of larvae from pitcher plants compared to those from other environments. Dover (1928) part II (pages 9-12) examined pepsin-resistance in the mosquitoes. There is a suggestion that nepenthiphilous mosquito larvae have "anti-pepsins", but it does not seem conclusive, nor does it seem to be the case that anyone has followed up on his work.