Medical Transport Insurance

Home / Commercial Auto / Medical Transport Vehicles

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Medical Transportation Insurance

If you’re an insurance producer looking to write more business and provide insurance solutions to your clients, then Prime Insurance Company is the partner for you. As a leading excess and surplus lines insurance company, Prime can write medical transportation insurance with confidence. 

We can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. In most states, we can cover the vehicles, the drivers, and the company/service. Whether your client started a new business or is a new driver, or has been in the industry for 20+ years, we can write a customized insurance policy to fit their needs. 

Prime has over 40 years of experience, making us one of the best medical transportation insurance providers out there. Many medical transport insurance companies are turning away individuals and businesses that are deemed too risky, or, they could be leaving gaps/exclusions in policies that leave the policyholder exposed. Prime takes a more hands-on approach to learn about you, your client, and their needs so we can write a policy that ensures maximum protection.

Nature of Business
(who we can help)

  • Ambulances
  • Stretcher Transportation
  • Door-Through-Door Transportation
  • Curb-To-Curb Transportation
  • Non-Emergency Medical Transportation Vehicles
    • Fully Equipped Ambulances (traveling without lights and sirens)
    • Wheelchair Vans
    • Medical Cars
    • Shuttle Buses
  • And More!


  • Commercial Auto Liability
  • Commercial Auto Physical Damage
  • New Operators Coverage
  • Contingent Auto Liability
  • Hired & Non-Owned Auto Liability
  • Excess Auto Liability
  • Dealer Plate / Transport Plate Liability

More Information About Medical Transport Insurance

Why Choose Prime As Your Insurance Partner?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. Commercial auto and medical transportation insurance are our expertise! 

In-House Teams

We have it all – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

Medical Transportation Insurance Providers and Prime Insurance

Looking for the best medical transportation insurance provider? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a healthy relationship.

Accidents do happen. According to the Transportation Safety Advancement Group, “vehicle fatality rates are estimated to be up to 4.8 times higher for emergency responders than average vehicle fatality rates nationally. An estimated 6,500 crashes involving ambulances occur each year.” It’d be wise to go with a trusted medical transport insurance provider such as Prime to handle claims promptly and professionally with exceptional results!

A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient medical transportation insurance company and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.

In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by your side when a claim or lawsuit is filed against you.


Both Emergency Medical Transportation (EMT) and Non-Emergency Medical Transportation (NEMT/NET) provide medical transportation services for patients. While similar in this aspect, there are several differences between these two services.


Private ambulance services, governmental fire and rescue services or public hospital districts typically run EMT services. This service is specifically designed to handle medical emergencies. When someone dials 911, an EMT vehicle is dispatched.

EMTs and paramedics can start treating patients as soon as they arrive on the scene because their vehicles have diagnostic and life-saving equipment. If further medical treatment is necessary, an EMT will take patients to a hospital or trauma center.


Medical clinics, private ambulance services or transportation providers run NET services. These vehicles are not equipped to handle emergencies or life-threatening situations. Instead, they transport patients who either can’t transport themselves or don’t have any transportation.

Patients typically use this service when they need to get to an appointment at a medical facility, clinic or doctor’s office. Elderly individuals and those with chronic conditions often rely on NEMTs to get to and from their appointments. People also use NETs to visit a specialist outside the city or for long-distance travel.

Types of EMT Vehicles and NEMT Vehicles

EMT vehicles are equipped with standard features like sirens and medical supplies. There are several different types of EMT vehicles, such as:

  • Type I: Mounted on a truck-like chassis for strength and durability.
  • Type II: Mounted on a cut-a-way van chassis to create a low floor height for easy access.
  • Type III: Mounted on a van-type chassis and designed with a raised roof.

First responders have other EMT vehicles that they can use for various purposes in an emergency, ranging from a support vehicle to a rescue truck.

There are also different types of NEMT vehicles designed to transport non-ambulatory patients. NETs often use short or long-cut van conversions because they can easily accommodate a wheelchair. Other NEMT vehicles include:

  • Medical cars
  • Shuttle busses
  • Ambulances without the sirens and lights

Non-Emergency Medical Transportation Insurance Requirements

Non-emergency medical transportation insurance is designed to protect the vehicles that transport patients to and from their medical appointments. Whether it’s a wheelchair conversion van or a medical sedan, there are several requirements to keep in mind when determining your NEMT insurance. Vehicle-specific factors that can influence NEMT insurance include:

  • The age of the vehicle
  • The type of vehicle
  • The seating capacity
  • The types of features on the vehicle
  • The age of the drivers

Minimum coverage requirements can vary depending on the specific private facilities or clinics you work with. These potential differences are why it’s important to go over your contracts to determine your coverage needs.

Several other factors can influence the cost of NEMT insurance besides the vehicle itself, including:

  • Your location
  • Travel radius
  • Value of the vehicle and equipment on it
  • Your driving history
  • Your claims history

The specific coverage you have will also affect the cost of your non-emergency medical transportation insurance.

About Prime Insurance Company

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

*see for latest ratings
**The most current Financial Stability Rating® must be verified by visiting

Writing Medical Transport Insurance Through An Admitted Carrier

Commercial Auto coverage is available in Florida, Illinois, Kansas, Kentucky, Massachusetts, Nevada, New Jersey, New Mexico, North Carolina, and South Carolina through our admitted carrier, Prime Property & Casualty Insurance Inc. 

Presently, we do not offer any Commercial Auto coverage in New York. Secondary auto such as drive-away or non-owned auto coverage is available in all states.

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.