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.

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.

Example:

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.

What to Watch For:

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