We have always had Ambo cover. For such a minimal amount you are crazy not to have it!

On the PHI thing I was chatting to a gf the other day who has a very short cervix so needs to take it easy throughout pregnancy. So when she was talking with her OB he told her to check her PHI and exactly what it covers in relation to Ambos. She found out that her PHI didn't cover transfers between hospitals. So if she was taken to the closest hospital to birth and then bub had to be moved to a better equipped hossy they would have copped a bill as it only covers the one trip! So they have just signed up for Ambo Cover too now!