Ambulance Insurance
Many people don’t consider buying ambulance insurance until we experience a need for it. All too often, that’s too late. Then, we’re facing budget-killing bills that could have been avoided by buying an inexpensive ambulance insurance policy.
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The cost of a typical ambulance trip involving the use of a gurney is easily more than $1000 for a short trip. Additional costs may apply after specified distances, usually under 5 kilometres, and may even apply from the time the truck leaves the station.
Traditional insurance sometimes covers ambulance rides. Unfortunately, more and more, companies are limiting the number of ambulance trips they will pay for in a single month, and capping the coverage on those. Even if they don’t impose limits, traditional policies usually cover 80%, leaving a balance of a fifth of what can amount to thousands of dollars.
Also more and more often, post-surgical patients are shuffled out of scarce hospital beds into skilled nursing home recovery centers within a day or two of an operation. Doctors typically don’t make house calls, nor do they make nursing home calls, so non-ambulatory patients are transported between hospitals, nursing homes and doctors’ offices by ambulance. Use of a wheelchair or gurney increases the cost.
A post-surgical patient in a recovery center for a six-week period may need to be transported three or more times each month. If physical therapy is done outside the center, that number may triple. If a patient has left the hospital too soon, and requires a ride back, add yet another trip to the list.
The most dramatic need for ambulance insurance occurs when a patient must be flown to a medical center, either because the ailment occurred far away or the local hospital isn't equipped to manage their care. Helicopter life-flight rides may top $2000, and exceed the limits of any policy other than ambulance insurance, which covers one person or the whole family for a very reasonable premium.
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If you don't have ambulance cover and you're not a low income earner, you could be in for a shock if you need one. When my mother rolled her car on our farm, the ambulance had a 95 km round trip. Luckily, she was a pensioner so she was exempt.
I asked the ambo what a trip like this would cost and he told me around $600 (the charges consist of a callout fee plus a cost per kilometre).
I had an ambulance ride, although I refused they still took me to E.R. for a low blood sugar. I was only 2 miles from the hospital. Why was my bill $510? They were so rude to me, I think they purposfully didn't try to file w/my insurance company. I guess I will have to.