Limitless Policies

What if your coverage didn't run out when you need it most? What if there was no ceiling, no annual cap, no lifetime limit waiting to cut you off? No policy maximums. No annual limits. No lifetime limits. Accident and sickness coverage built to actually protect you and your family, not just on paper, but in practice. We got rid of the "gotchas".

How does a limitless policy work?

A lot of plans look generous until you read the fine print. Annual caps. Lifetime caps. Per-condition limits. The kind of numbers you never think about until you're staring at a hospital bill and the plan stops paying.

Presidio doesn't work that way. Once you hit your Moop in a given calendar year, the plan covers 100% of eligible accident and sickness claims for the rest of that year, with no policy ceiling capping how far that protection goes.

The following year, your Moop resets, and the plan keeps doing the same thing. Year after year. No tally running in the background. No countdown to the day your coverage runs out.

Why do limitless policies matter?

Catastrophic peace-of-mind. Cancer treatment. Long ICU stays. Major surgeries with complications. These are the moments policy caps were designed to limit. We are designed not to.

Protection that doesn't expire. A lifetime limit means the plan has a finish line. Yours doesn't. Decades of membership don't slowly erode your coverage.

What you pay for is what you get. Premiums shouldn't come with hidden ceilings. When Presidio says you're covered, you're covered.

Accident and Sickness policies have separate out-of-pocket maximums. Subject to limitations and non-covered services of the Policies. Pregnancy and maternity in the first year are subject to a separate pregnancy deductible.