Why Ambulance Cover Matters – Don't Get Caught Without It
When emergencies happen, every second counts. Whether it's a sudden fall, a medical episode, or a serious accident, an ambulance can mean the difference between life and death. But did you know that without ambulance cover, the cost of a call-out could run into hundreds, or even thousands, of dollars?
At Mid Murray Support Service, we've seen firsthand how vital ambulance services are for our community, particularly for older Australians, people living with a disability, and those in remote or regional areas.
What Is Ambulance Cover?
Ambulance cover is a type of insurance that pays for the cost of emergency transport and treatment by ambulance. In South Australia, ambulance services are not free, and even a single trip can come at a high price if you're not covered.
Depending on the situation, a typical call-out could cost:
Around $1,000 or more for an emergency trip
Extra for each kilometre travelled
Additional charges for paramedic treatment on-site
Without cover, these fees are paid out of pocket.
Why You Should Consider It
Even if you feel healthy or think you'll never need it, emergencies are unpredictable. Having ambulance cover provides:
Peace of mind – knowing you're protected in an emergency
Financial protection – no surprise bills after a stressful event
Faster access to care – you're more likely to call for help without hesitation if you're covered
Options for Cover
In South Australia, ambulance cover isn't included in Medicare or standard private health insurance unless you've added it as an extra. You can:
Purchase a subscription directly from SA Ambulance Service
Add it through your private health fund (check the level of coverage)
SA Ambulance also offers discounted rates for concession card holders and pensioners.
A Word of Caution
Not all health insurance policies include full ambulance cover. Some only cover emergencies, others limit interstate coverage, and some exclude non-emergency transport. It's important to check the fine print and make sure you're covered for what you need.
At Mid Murray Support Service, we encourage our clients, families, and community members to regularly review their ambulance cover to ensure it meets their needs. It's a small investment that could save you thousands and bring priceless peace of mind.
If you need help understanding your options or want to know more about ambulance cover in SA, we're happy to point you in the right direction.
Disclaimer: The information provided in this article is intended for general informational purposes only and should not be taken as advice or instruction. The information provided in this article is true and correct to the best of Mid Murray Support Service's knowledge as at August 2025. However, policies and coverage details can change, so we encourage you to do your research or speak with your health insurer or SA Ambulance Service directly to ensure you have the right level of cover for your needs.