One of my dad's closest friends used to be a volunteer EMT with the local ambulance. He got called out to plenty of serious emergencies, but the number of times he got called out for non-emergencies was really surprising. There were some people who would call the ambulance all the time, even multiple times in one week, for non-emergencies. "My back hurts," etc. And if these people asked to be taken to the hospital, the ambulance personnel were required to drive them there even if they could tell it was a waste of time. The staff at the emergency room would look them over and eventually send them home because there wasn't much they could do, and then a few days later these people would call the ambulance again in the middle of the night and ask to be taken to the hospital. And I have heard that emergency room overcrowding is a serious issue. I'm not arguing for or against anything, but after hearing these stories from dad's friend, I can see why an insurance company might want to avoid paying for some ER visits.