Emergency ambulance cover with no limit on trips

Most Latrobe Health Services hospital and extras covers include emergency ambulance cover, with no limit on the number of emergency trips you can claim.

A waiting period of one day applies from when you take out cover.

Not sure whether your cover includes it? Call us on 1300 362 144 and we’ll check it with you (it takes about a minute).

Which Latrobe Health covers include emergency ambulance cover?

Emergency ambulance cover is included in eligible Latrobe Health Services covers. Find eligible cover using our cover selector.

If you’re already a member, check whether your cover is eligible in the Latrobe Health Services app or in Online Member Services. Or call us and we’ll look it up for you.

How many emergency ambulance trips does Latrobe Health cover?

There’s no cap. On the covers that include it, Latrobe Health Services covers unlimited emergency ambulance transports.

How long is the waiting period for ambulance cover?

One day. A waiting period of one day applies from when you take out cover with Latrobe Health Services, which makes it one of the quickest parts of your cover to switch on (worth sorting before you need it).

What counts as an emergency ambulance trip?

Emergency ambulance cover applies to ambulance transport in a medical emergency. It does not apply to a trip booked in advance or arranged for convenience. If you’re not sure whether a trip would be covered, call Latrobe Health Services on 1300 362 144 and ask before you need one.

Does Latrobe Health cover non-emergency ambulance transport?

No. Non-emergency ambulance transport isn’t covered under Latrobe Health Services hospital, extras or combined policies. To cover non-emergency trips, you’ll need a subscription with your state or territory ambulance service. Some Latrobe Health extras covers pay a rebate towards that subscription.

What if my state or territory already covers ambulance transport?

That scheme covers you first. Where an applicable state or territory ambulance scheme covers your transport, it applies instead of your Latrobe Health Services emergency ambulance cover. The same goes for a third-party scheme. You’re still covered for the trip. The cost is simply met by that scheme rather than by your policy.

What if my cover doesn’t include emergency ambulance cover?

You’ll need to arrange ambulance cover another way. In Victoria, that means holding a membership with Ambulance Victoria. If you’d rather have ambulance cover built into your health cover, our cover selector will show you which Latrobe Health Services covers include it. Already a member? Give us a call on 1300 362 144 and we’ll review your current cover and help you move to a similar option that includes ambulance cover.

Why take out health cover with Latrobe Health Services?

Latrobe Health Services is a not-for-profit, member-owned health fund. Our members give us 89% satisfaction in the 2026 IPSOS Member Satisfaction Survey, pretty good when the industry average is 79%! Our profits go back into member services and community health programs, not shareholders' pockets. And when you call, you’ll speak to our Victorian-based team (the same people who greet you in our branches).

Still have questions about ambulance cover?

Talk to a real person. Call Latrobe Health Services on 1300 362 144, email info@lhs.com.au, or drop into one of our branches. We’ll tell you exactly what your cover includes, and what it doesn’t.

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