Ambulance cover explained

As a Frank member with hospital cover, or the essentials combined bundle* you’re covered^ for emergency ambulance services Australia-wide.

Ambulance cover and ambulance insurance in Australia can be a bit confusing, and depending on what state you live in there are different rules for ambulance transport and ambulance subscriptions.

Products with Emergency Ambulance cover

Top Hospital

Max Hospital

Better Hospital

Basic Private Hospital

Essentials Bundle


Emergency ambulance cover

The definition of emergency ambulance cover means clinically necessary ambulance transport and does not include:

  • Ambulance transport from a hospital to your home, or ambulance transfers between hospitals
  • Any services which are not operated by an ambulance provider recognised by Frank
  • Any non-emergency services, as determined by the ambulance provider

We recommend that you review your state based coverage below to ensure you’re covered for all ambulance travel required.

Throughout Australia, different states and territories have different rules for Ambulance transport.

In WA, VIC, SA, or NT, we recommend taking out an ambulance subscription with your state ambulance service provider to ensure you are covered for all ambulance services, not just emergency.

Frank members with extras can claim a benefit on the cost of your ambulance subscription each year.

In NSW, the ACT, QLD or TAS you might already be covered for ambulance services within your state but make sure you check with the provider whether they’ll cover you nationally.

See your state’s ambulance provider for more information on ambulance subscription and cover rules.

You can’t claim a benefit with Frank on an emergency trip if the trip is covered by another group, body or ambulance scheme, including:

  1. Your state government covers ambulance services
  2. You have a Health Care Card or Pensioner Concession Card
  3. You are eligible for any compensation scheme (TAC, Workcover, etc)

*The Emergency Ambulance benefit applies to all hospital covers sold directly through Frank excluding Basic Hospital, Basic Hospital (Some Private) and Starter Bundle.

Already a Frank member?
Log in to the Frank member area to claim your ambulance subscription. You can submit an email confirmation of your membership as your receipt.