I have heard a few horror stories on this topic. Our health insurance does cover but there are some weird exceptions, so i just get an ambulance membership too. I like to cover all bases.
me too JungleMum i have Ambulance Membership on top of my ambulance cover with my health insurance as my DP and DD don't have health insurance (only sadly i due to serious health in the past and i had it before i met my DP, still not much of an excuse as i do feel so guilty they don't have it as we can't afford to for them ... my DP jokes i 'need' it most as i'm so much older then them) and the Ambulance Family membership cover amount is enough to cover me too (if that makes sense !) !!

Our Ambulance Membership was overdue to pay and i wasn't covered with it the day we called an ambulance for me, thankfully i had MY health insurance and it truly taught us a massive lesson to never let ourselves not be covered for Ambulance Membership, OMG thankfully it was me ill and not my DD or DP it wouldv'e been a massive ambo bill as we hadn't paid it yet