Help me figure out study abroad medical and travel insurance! Thoroughly confused by all the insurance jargon
I'm Canadian student from Ontario studying abroad in Norway (yay!) and had some awesome help from you folks with previous questions (see this question
). I'm currently looking at insurance, and have found emergency medical plans and travel insurance that cover emergency medical expenses, trip interruption, baggage damage/loss etc.
However, I have a number of pre-existing conditions (generalized anxiety disorder, back pain, previous shoulder injury, ongoing allergy issue) that will require ongoing and routine care and prescriptions. For the life of me, I cannot find a plan that will cover these! OHIP (my provincial insurance) will cover certain things like doctors visits, but I would like to continue my chiropractic, massage, my therapy due to past abuse, etc) that are not covered.
would be perfect but it does not cover pre-existing conditions.
Do insurance plans not cover this, and would I pay for these things out of pocket? Am I looking in the wrong place? What kind of plan should I be looking for if I want to cover routine medical, emergency health, and travel issues?
If they are not typically covered, I am ok with that, finacially it would be much easier if I could use insurance to pay for the routine things that have made my recovery