The Prime plan allows you to insure a higher trip cost than the Essential plan and also includes higher amounts of coverage to protect your pre-paid non-refundable monetary investment. This plan includes benefits for missed connections and changes in itineraries, along with a pre-existing condition waiver.
Our trip was to French Polynesia. The plan was more than I expected and it was a great piece of mind knowing that my wife and I were covered from the 3 weeks we were there visiting.
We had no issues and thankfully, we did not need to file a claim. I'll definitely be purchasing travel insurance each time I travel outside the US.
recommend this plan to a friend or relative.