Private health insurance providers set their own policies and terms and conditions for ambulance cover.  Cover for ambulance treatment and transport will depend on the specific level and type of cover offered by your chosen provider.

Ambulance Victoria (AV) has no affiliation with private health insurance (PHI) providers. We do not have access to information about a person's individual coverage through that provider either.

You will have to determine which ambulance cover suits you. Some people have both AV Membership and private health insurance. We see cases where members of private health funds have used the service and then found out afterwards that the fund's terms and conditions did not cover them in certain circumstances such as air ambulance transport or non-emergency transport.

If you are not sure, please use the Ambulance Cover Checklist to help decide.

Please note
Latrobe Health Services (LHS) is the only PHI that purchases ambulance cover through AV. You will have to contact LHS directly on 1300 362 144 with any queries regarding which cover they provide that includes ambulance.