Ambulance cover explained

When you take out a Frank extras product, it may include ambulance benefits. Ambulance benefits vary from state to state. If you don’t know how your state is different to others, you’ll want to read this.

Victorian residents

Victorian residents

To be covered, you need to take out an Ambulance Victoria subscription. Check the Ambulance Victoria website for joining options.

When you're signed up with Ambulance Victoria, you can then claim back a percentage of the cost of the subscription (based on the % back included in your cover).

You're then covered for free ambulance transport, paramedic care and treatment, including air ambulance throughout Australia.

From July 2014, eligible Health Care Card or Pensioner Concession Card holders will only receive free clinically necessary ambulance coverage throughout Australia. This will not necessarily include transfers.

For more information about what’s covered, or to take out a subscription, check out the Ambulance Victoria website.

South Australian residents

South Australian residents

To be covered, you need to take out a subscription with the South Australian Ambulance Service. Check the South Australian Ambulance Service website for joining options.

When you're signed up with South Australian Ambulance, you can then claim back a percentage of the cost of the subscription (based on the % back included in your cover).

Ambulance Cover from SAAS provides pre-paid medical emergency care, Australia-wide, 24 hours a day, seven days a week. It covers all your ambulance transport costs, whether it’s an emergency or not.

For more information about what’s covered, or to take out a subscription, check out the SAAS website.

New South Wales residents

New South Wales residents

Take out any Frank hospital cover and you’re automatically covered for emergency transportation within NSW (and the ACT).

If an ambulance is called, you’ll receive a bill. Follow the instructions on the bill to either provide your health insurance details to Ambulance NSW online or by mail and they will contact us to confirm the details.

If you want cover when you’re in states other than NSW and ACT you’ll need to look at taking out Domestic travel insurance.

For more info check out the Ambulance NSW website.

Australian Capital Territory residents

Australian Capital Territory residents

Take out any Frank hospital cover and you’re automatically covered for emergency transportation within the ACT (and NSW).

If an ambulance is called, you’ll receive a bill. Follow the instructions on the bill to either provide your health insurance details to ACT Ambulance Service online or by mail and they will contact us to confirm the details.

If you want cover when you’re in states other than NSW and ACT you’ll need to look at taking out Domestic travel insurance.

For more info check out the ACT Ambulance Service website.

Queensland residents

Queensland residents

From 1 July 2011, all Queensland residents are automatically covered for the cost of emergency services Australia wide. You don’t have to do a thing!

For more info check out the Queensland Ambulance Service website.

Tasmanian residents

Tasmanian residents

The Tasmanian Ambulance service provides a free service to all residents. Lucky ducks.

However, if you want Australia-wide cover, you’ll need to look at taking out Domestic travel insurance.

For more info check out the Ambulance Tasmania website.

Western Australian residents

Western Australian residents

If you live in country WA you’ll need to take out a policy with St John’s Ambulance Service WA. This also means you’ll be covered Australia-wide.

If you live in Metro WA, HBF administer Ambulance subscriptions on behalf of St John’s Ambulance service. Take out an Ambulance product through HBF to be covered Australia-wide. If you’re not sure whether your suburb is metro or country just let us know your postcode, and we’ll point you in the right direction.

When you're signed up with St John’s Ambulance WA, you can then claim a percentage of the cost of the subscription (based on the % back included in your cover).

For more info, check out St John's website. Or for Metro, head to HBF

Northern Territory residents

Northern Territory residents

Take out a subscription with St John’s Ambulance Service NT, and be covered Australia-wide.

When you're signed up with St John’s Ambulance NT, you can then claim back a percentage of the cost of the subscription (based on the % back included in your cover).

For more info, check out the St John’s Ambulance NT website.

Please note

We’re not experts on other company’s products. We recommended you read the full terms and conditions about what’s covered, restrictions, exclusions, costs etc. before purchasing a subscription with anyone.