Ambulance (Ground/Air)

Ambulance coverage provides reimbursement for emergency transportation to a hospital by ground or air when medically necessary. In health insurance plans, this benefit ensures that if you experience a sudden illness or accident, you can access appropriate care without paying the full transportation cost yourself.

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Ground ambulance coverage applies to paramedic transport within your province, while air ambulance coverage is typically reserved for remote or life-threatening situations requiring rapid transfer to a major medical facility. Insurers usually limit reimbursement to reasonable and customary charges or to a provincial maximum.

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Example:

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If an air ambulance transfer costs $4,000 and your plan covers up to $3,500 per incident, the insurer pays $3,500 and you pay the remaining $500.

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What to Watch For:

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Confirm whether the plan covers both ground and air transportation and whether it requires pre-authorization for non-emergency transfers.