Ambulance Cover

Learn how ambulance services work in Australia and find out whether you need Ambulance Cover.

Reviewed and updated 30 September 2026

In Australia, Medicare does not cover ambulance services.

In QLD and TAS, you do not have to pay for being treated by paramedics or transported by ambulance.

If you live in a state or territory where you have to pay for an ambulance and do not have a private health insurance policy that includes ambulance services, you may want to take out Ambulance Only Cover.

In this overview, we explain everything you need to know about ambulance services and Ambulance Cover in Australia.

What is an ambulance service?

Does Medicare cover ambulance services?

How do ambulance services work in Australia?

What is Ambulance Cover?

What questions should I ask before taking out Ambulance Cover?

How much is ambulance treatment where you live?

Ambulance treatment costs vary by state and territory, ranging from free state-covered service in Queensland and Tasmania to over $1,000 for uninsured residents in Victoria and South Australia. Find out more with our interactive map.

Ambulance Treatment Costs & Cover by State

Use our interactive tool to find out whether Ambulance Cover is needed in your state or territory.

If there’s a fee for ambulance treatment and/or transport in your state or territory, having Ambulance Cover could pay off – literally. You can buy standalone Ambulance Cover, or check whether it’s included in your existing Hospital Cover or Extras Cover policy. Use the healthslips.com.au calculator to find the best policy for your budget, health needs – and location.

Prices current as of 1 July 2026. Prices subject to change.