You might also check your credit card. Our CitiBank AA card has trip insurance coverage, including med, for everything we charge on the card.

Our St. Martin October 2017 trip obviously did not happen and the card came through with no problems.

If you're looking at trip insurance, one of the things to remember is that there's a 30 day window (on many policies) from the time a storm hits for coverage. In other words, if a storm hits on Oct 1 and the area is still not up and running in Nov (like with Irma which hit in Sept.), it will not cover you because it's beyond the 30 days. If the storm hits Oct 30th, then you would be covered for Nov.