Ambulance explained pays for emergency ambulance transport under every cover we sell.
By emergency ambulance transport we mean that you need immediate attention, and your condition or injury is such that you can’t be transported to hospital by any other way except ambulance. 

As each state ambulance service operates differently, below you can see the state by state breakdown for your state of residence:
New South Wales and the Australian Capital Territory
If you are a resident of NSW or the ACT, and you have hospital cover with, you are already contributing to the levy which makes you eligible for 100% cover for all ambulance services within the ACT or NSW.
*Please keep in mind is you are on one of extras only products with no separate hospital cover are only covered for emergency ambulance transport to hospital.
Northern Territory, South Australia, Victoria and Western Australia
You are covered by for emergency ambulance transport to hospital. If you want full ambulance cover you may be able to take out a subscription directly with your relevant ambulance service.
All Queensland residents receive free ambulance cover, both in Queensland and elsewhere in Australia

Ambulance Tasmania provides a free service to Tasmanian residents.
​What if I am transported across a border or I am travelling interstate?

There are just too many combinations of possibilities to list, however many states have reciprocal agreements with others (but some don’t!) Suffice to say, that at a minimum, you are covered by us for emergency ambulance transport to hospital. For example, Ambulance is called and you are taken to a receiving hospital they would classify this as an "emergency ambulance transportation" in all states and would be covered by your health insurance. 

Please do keep in mind, if an ambulance is called and they assess you on the spot with no transportation to a hospital this may not be covered. Drop us a line with your ambulance claim and we will assess this any let you know if any issues. 



Have you heard the word?

On 1 July 2021, will join forces with Frank Health Insurance.

Learn more about how this may affect your emergency ambulance cover here