I would do some research into CSS sprites, it will negate the need to preload your images and it will make your page load times go much faster. A List Apart has a good article on CSS sprites.
If you really wanted to preload that one image you can create a really tiny pixel with a background of the image you wanted to hover over, it's not a very elegant solution but it would do the job.
#preload
{
background-image:url(../images/today-over.png);
width:1px;
height:1px;
position:absolute;
}
And then on your page:
<div id="preload"></div>