Ambulance cover

Ambulance cover protects you against the cost of emergency services like ambulance transport and treatment by paramedics.

Ambulance services aim to promote health and reduce the adverse effects of emergency events on the community. Governments’ involvement in ambulance services is aimed at providing emergency medical care, pre-hospital and out-of-hospital care, and transport services that are:

  • accessible and timely
  • meet patients’ needs through delivery of appropriate health care
  • high quality — safe, coordinated and responsive healthcare
  • sustainable.

WHAT ARE SOME benefits of ambulance cover?

One of the most important things to remember about Ambulance services is that they’re not covered by Medicare. This includes both emergency transport and other ambulance services which you may need.

Also, depending on where you live can impact your ambulance cover needs. Our team can help you understand if your private health insurance policy has any exclusions, limits or conditions that apply to your ambulance cover. 

Ambulance Victoria indicates that the cost of one emergency road transport can be more than $1,200. However Ambulance Victoria membership for a single person is around $49 or $96 for a couple/family each year.

A popular benefit of Ambulance Cover is that it can help you avoid significant costs of ambulance services in Australia.

Things to consider when purchasing ambulance cover:

  • Do I need cover for when I’m travelling interstate?  
  • Will I be covered for emergency travel only?
  • What is defined as non-emergency travel?
  • Will I be charged a call out fee?
  • Are there any waiting periods? 
  • Are there any co-payments towards the ambulance fee? 
  • Does your Ambulance Cover also cover air ambulance? 
  • And what about transports provided by State-approved private providers, or other private providers?

Does health insurance include ambulance cover?

When it comes to ambulance cover benefits within your private health insurance policy, the benefits may differ between providers and policies.

Some health funds might cover all ambulance travel needs, while some health funds might limit the benefit to just covering the cost of ground transportation or where you use the ambulance service.

For example, if you live in Victoria and your policy has limitations to only cover the cost of an ambulance in Victoria and you have an accident while on holiday interstate and you required an ambulance, it may not be covered.

It’s a good idea to speak with our team about different scenarios and how the benefits may apply in each scenario.

Will my ambulance cover still apply if I am interstate?

Depending on where you live, it can impact your ambulance cover needs.

Residents of Queensland and Tasmania can access State Government Ambulance Cover.

Residents of all other Australian States and Territories should consider purchasing an Ambulance Membership with their State or Territory Ambulance Provider or through a private health fund.

We recommend checking the details of your private health insurance policy or your ambulance membership to see if you’re covered in your home state or Australia wide.

Care To Compare deals with some health funds that are able to offer comprehensive ambulance cover Australia wide*, but you should review the individual aspects of your policy (and state services) to better understand how your Ambulance cover is affected by interstate travel. 

*The provision of ambulance cover when using ambulance services will be subject to the terms and conditions of your policy.

What is the cost of ambulance services?

Ambulance costs can vary from state to state. 

CAN I GET free ambulance cover WHERE I LIVE?

There are different concessions for ambulance cover in each state. State funded Ambulance cover is currently available for residents of Queensland or Tasmania. If you are a pensioner concession card holder you may be eligible for free ambulance cover.