Zurich Premium International offers the highest cancellation protection on this list at HK$20,000—33% more than #1 Allianz Premier Worldwide’s HK$10,000. Medical coverage is HK$1,000,000, baggage HK$6,000 (the top among the first three), and sports are included. The premium of HK$3,500 is 9.4% above the average, but the cancellation benefit alone justifies the extra cost. Verify against your trip value. Verified April 2026 from Zurich's website.
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