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 had to cut my trip short by a day to return home for a funeral. I immediately called Tru Travel and they instantly created an account for me and emailed me a claim form. They paid for all additional costs that were incurred. No hassle. It worked! No attempts to weasel out of their obligations that you read about in magazines. They stand behind their product.
recommend this plan to a friend or relative.