ACE Premium International offers the highest coverage limits for frequent globetrotters, with HK$1,500,000 in medical coverage—nearly double the amount of Generali Superior (#9). It provides HK$10,000 for trip cancellation and HK$5,000 for baggage, with no activity restrictions. The premium at HK$3,300 is 38% higher than the average comprehensive plan, but the robust protection justifies the cost, verified April 2026 via the ACE website.
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