Does auto insurance cover ambulance rides?

Does auto insurance cover ambulance rides? It all depends on whether or not your insurer has reached a deal with the ambulance company. It also depends on whether or not it is an emergency. Even another factor is a per-mile charge ranging from $10 to $30.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • An ambulance ride’s cost is primarily dependent on the level of severity of the situation.
  • There is also a per-mile charge that ranges between $10 and $30.
  • Sometimes your insurance network and the ambulance company cannot arrive at an agreement, resulting in you covering the cost.

Does auto insurance cover ambulance rides? It’s a little-asked question but one that is worth answering should the unfortunate event arise in which you need it. Is your auto insurance company one that will cover an ambulance ride?

We understand the insurance industry is complicated. This is why we will go through everything step by step. Get a good start on finding insurance that will cover your ambulance ride by typing your ZIP code into our helpful tool above to search for auto insurance rates near you. Are auto insurance quotes free? Here, they are.

What does a typical ambulance ride cost?

The cost of an ambulance ride varies based on location and, according to the government of Lynchburg, VA, level of emergency. Let’s take a look at a table showing the average rates for an ambulance ride based on several levels of severity.

Average Ambulance Ride Rates Based on Level of Service
Life Support Service NeeedAverage Rate for Service
Basic life support mileage$12.00 per mile
Advanced life supprt mileage$12.00 per mile
Oxygen supply charge$50
Treatment, no transport$100
Basic life support - non-emergency$350
Advanced life support - non-emergency$425
Basic life support - emergency$500
Advanced life support- emergency$600
Advanced life support - emergency with three or more medications
combined with at least one specialized ALS procedure
$850
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As you can see, a lot of it depends on if it is an emergency or non-emergency situation. Let’s take a look at a video further explaining the ambulance pricing structure.

The bottom line is that an ambulance ride can prove to be quite expensive. Unfortunately, it is frequently quite an expensive expenditure. Let’s move on to see why it is so expensive.

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Why do ambulance rides cost so much?

When you pay for an ambulance ride, you’re actually paying for a few things. You’re paying for the service, yes, but also for whatever it costs for ambulances to operate and be readily available to pick you up in your particular area.

Further factoring into the cost is the expense of training those who provide medical services in the vehicle. One of the biggest factors, though, is that ambulance services are run for profit just like any other company. Essentially, they can set their own price point. If you need an ambulance, chances are you aren’t in a position to be price haggling.

Do I have to pay for the ambulance ride if I have insurance coverage?

Just like how pricing is determined by whether or not it is an emergency situation or non-emergency situation, this is also the main factor in determining whether insurance will cover the cost, be it regular or temporary auto insurance.

Most insurers will cover the cost if it is determined that you absolutely needed the ambulance ride for emergency services at the closest hospital that is able to administer said emergency services.

All in all, it depends on your insurer and whether or not they have come to a financial agreement with the local ambulance company.

If we haven’t answered all of your questions today, fear not, because we’re going to be wrapping up with an FAQ section. If you are ready to buy auto insurance, get a start on finding an insurer who will cover an ambulance ride by typing your ZIP code into our helpful and free tool below.

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Frequently Asked Questions: Does auto insurance cover ambulance rides?

You should now know the answer to the question, does car insurance cover ambulance rides? If you have any more questions about finding affordable auto insurance, however, read below to find out answers to some of your commonly asked ones.

#1 – Why are ambulances not covered by insurance?

If you’re insurance isn’t covering the ambulance ride, it’s probably because the ambulance and private insurance companies haven’t agreed on a fair price. Because of that, the ambulance service has not joined the insurance network.

#2 – How much is an ambulance ride in Texas with insurance?

You can expect a $15 per mile charge as well as $850 for Basic Life Support.

#3 – Does Blue Cross Blue Shield cover an ambulance ride?

It depends on whether or not they determine that the ride was required for emergency services at the nearest hospital.

#4 – Can an ambulance be out of network?

Yes, and there will be unpredictable out-of-network charges.

#5 – Does Cigna pay for an ambulance ride?

It depends on whether or not it was non-emergency transportation.

#6 – Why would two ambulances turn up?

Ambulance services may send two vehicles to meet the eight-minute arrival time target.

#7 – What happens if I don’t pay my EMS bill?

If it is a private ambulance company you’re dealing with they will send you to collections until they receive their money.

References:

  1. https://www.lynchburgva.gov/ambulance-fees

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