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.
I didn't have reason to use my TruTravel First Class plan during my two week vacation in Texas, so I can't comment on how responsive they might have been to a claim. What I did like was the coverage I received as far as trip interruption, misplaced or lost luggage, medical expenses not covered by my own insurance, and little extras such as identity theft. The policy is easy to read -- much appreciated, and not written totally in "the language of lawyers". You purchase travel insurance in the hopes it will never be required, so I was glad to know that if the unthinkable happened, I would have TruTravel's assistance. I will definitely consider them again on a future trip.
recommend this plan to a friend or relative.