When we took out health insurance we were told by the company that ambulance may not be covered in certain situations (cant remember what the exact wording was) so DH and I kept our ambulance cover. I have had ambulance cover since I was 17 and talked DH into getting it when we first started datinng.
that's a good point, never knew that ... yep reckon i will stick with my Ambulance membership too (like most PHI members the ambo usage it's not my main concern but all the other stuff PHI offers which i've put to some good use with a few surgeries, etc) !