Get coverage for emergency ambulance 

Did you know that urgent ambulance transport could cost you more than $1,000 if you don’t have ambulance cover? The best thing about ambulance cover from HIF is emergency ambulance is included on all levels of HIF Extras Cover.


Basic Extras 

Basic Extras covers a range of popular Extras, and claiming is easy! Simply claim 50% back on each service until you reach your annual limit of $800 per year.


Value Extras

Want low-cost Extras with big benefits? Value Extras includes general dental, optical, physio, chiro, osteo, ambulance, healthy lifestyle, pharmacy and more.


Simple Extras 

Simple Extras is easy to understand. It provides 60% or more back on services like major and general dental, ambulance, optical, chiro, physio, osteo and more.


Essential Extras 

Essential Extras offers great value cover for everyday services like optical, physio, ambulance and more, plus major dental services like orthodontics, crowns and bridges.


Advanced Extras 

Our most popular Extras Cover option, covering over 50 services including everything on Essential Extras plus hearing aids, CPAP machines, psychology and much more.


Top Extras 

Top by name, top by nature. Like Advanced Extras but with bigger benefits, higher annual limits and exclusive access to our HIF Second Opinion service.

1Price is based on a single policy in Western Australia with a 24.608% Australian Government Rebate on private health insurance.

**Please read carefully and in conjunction with product factsheets


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 2019-20, St John Ambulance reported more than 230,000 patients in WA alone required their services - an average of 630 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 Extras Cover today.

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 ambulance transport and emergency 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 recommend taking out ambulance insurance, so you don’t have to worry about money in a stressful medical emergency.

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 ambulance cover in all levels of our Extras Cover.

Why get cover from HIF? 

The best thing about ambulance cover from HIF is that it’s included in your Extras Cover!

  • Don’t pay extra for ambulance cover – choose from our great value extras cover range that includes things like dental, optical and physio and get ambulance insurance at the same time.
  • 100% of the costs are covered for emergency ambulance transport on selected covers.
  • You’re covered if you call an ambulance for a non-urgent or non-emergency situation although a $50 co-payment will apply (on selected covers).
  • Don’t be in a situation where you need to pay $1,000 or more if you have a medical emergency.
  • 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." - Meredith (see review)

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

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).

Can I just get ambulance only insurance?

We don’t offer ambulance-only insurance. Instead it’s included as a standard benefit in our Extras Cover policies.

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 recommend 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? 

Yes, there’s a standard 2-month waiting period from the date of taking out your Extras Cover.