Get coverage for emergency ambulance 

The best thing about ambulance cover from HIF is emergency ambulance is included on all levels of HIF Hospital & Extras Cover1.

Basic Plus

Basic Plus Hospital Cover

Basic cover in the event of an accident.


Bronze Hospital Cover

Great value for the young, fit and healthy.

Bronze Plus

Bronze Plus Hospital Cover

Like Bronze, plus five additional services.


Silver Hospital Cover

Intermediate cover.

Silver Plus

Silver Plus Hospital Cover

Comprehensive cover, minus maternity.

Gold Top

Gold Top Hospital Cover

Top hospital cover option for total peace of mind.



Basic Extras 

Basic Extras is our entry-level cover, providing 50% or more back on commonly used services such as general dental, optical, physio, chiro, osteo and emergency ambulance!


Value Extras

Value-packed Extras includes services for common health needs such as general dental, optical, physio, chiro, pharmacy, complementary therapies, healthy lifestyle and more.


Simple Extras 

Simple Extras is just that, simple. It provides 60% or more back on services like general and major dental, ambulance, optical, chiro, physio, osteo, pharmacy and more.


Essential Extras 

Essential Extras includes essential services like general and major dental, orthodontics, optical, chiro, physio, podiatry, ambulance, pharmacy, dietetics, complementary therapies and more.


Advanced Extras 

Our higher value Extras cover, Advanced Extras includes 20+ services from general and major dental, orthodontics, physio, chiro, podiatry, pharmacy, psychology and more.


Top Extras 

Top by name, top by nature. Our premium cover includes larger benefits and higher limits. Plus access to HIF Second Opinion and Mental Health Navigator.



Get peace of mind with Ambulance cover

We hope you never need to ride in an ambulance. But the chances are that you (or someone you love) could need an ambulance sometime soon. In 2022-23, St John Ambulance reported more than 265,000 patients in WA alone required their services - an average of 725 ambulance trips every day!

Worried about the cost of an ambulance ride? Get peace of mind - get a quote for our very affordable range of Hospital & Extras Cover today1.

Get a Quote

Understanding emergency ambulance  costs around Australia 

Each state in Australia has different arrangements and subsidies for ambulance transport. In some states, ambulance cover is subsidised or free for pensioners and low-income earners. In Queensland and Tasmania, the state governments cover the cost of ambulance services for all residents. People who hold a Department of Veteran’s Affairs (DVA) health card may be eligible for free ambulance cover in all states of Australia – check with the DVA to find out more.

To find out more information on ambulance arrangements and average costs for each state check out the government's guide here.

Ambulance Cover FAQs


What is ambulance cover? 

Ambulance cover is insurance that covers you for the cost of emergency and non emergency ambulance transport and treatment by paramedics.

In most states of Australia, if you need an urgent ambulance trip, you’ll be left with an expensive bill. Medicare doesn’t cover any ambulance services, so the person who needs the ambulance will usually have to pay for it themselves.

Unless you live in Queensland or Tasmania, ambulance costs aren’t subsidised by the state government. We suggest you consider taking out one of our Hospital or Extras cover policies to make sure you are always covered if you need an emergency ambulance.

Ambulance rides can be scary (and so can the fees!)

Depending on which state you’re in, an emergency ambulance callout could cost $900 – $1200.

At HIF, we want all our members to feel safe and to be covered in case of emergency. That’s why we include emergency ambulance cover on all levels of cover.

Why get cover from HIF? 

The best thing about emergency ambulance cover from HIF is that it’s included on all levels of cover!

  • 100% of the costs are covered for emergency ambulance transport1 on all levels of cover.
  • You’re covered if you call an ambulance for a non-urgent or non-emergency situation although a $50 co-payment per trip will apply (on selected covers).
  • You are covered Australia wide.

Feedback from a member who needed an ambulance:

"The other day I required an ambulance who had to rush me to the Royal Perth emergency department. I just received my bill of $916! As you can imagine, I nearly fell off my seat to think that a service that took a whole of about 30 minutes could cost so much. Luckily, I have ambulance cover with HIF and was advised that because the bill was for an "emergency service" I was able to claim the full cost. I'm so very happy that I didn't need to pay one cent of the bill. I can sleep at ease tonight. Thank you, HIF, love your work." 

Get a quote for Hospital and/or Extras Cover today and get emergency ambulance cover at the same time!

Can I just get ambulance only insurance?

We don’t offer ambulance-only insurance. Instead emergency ambulance is included as a standard benefit on all levels of Hospital & Extras cover.

Does Medicare cover ambulance rides?

There are no Medicare rebates for emergency ambulance treatment and transport. If you don’t qualify for subsidies in your home state and don’t have ambulance cover from a private health insurance company, you’ll have to pay the full cost of an ambulance ride out of your own pocket. That’s why we suggest you consider taking out ambulance cover!

Are ambulances free for pensioners?

Some states offer subsidised or free ambulance cover for pensioners and concession card holders. So, if you are a pensioner, ambulances may be free depending where you live.

Am I covered Australia wide?

Yes, you’re covered Australia wide for emergency road ambulance transport.

Is there a waiting period? 

A 1 day waiting period applies for emergency road ambulance and a 30 day waiting period applies for 'Non-Emergency' road ambulance.

What is not covered? 

  • Transportation from a hospital to your home, nursing home or other hospital.
  • Transportation for ongoing medical treatment
  • Off road or air ambulance (e.g. plane, helicopter or boat).

If your ambulance is classified as 'Non-emergency' a $50 per trip co-payment will apply.