As others have said, yes, we all have considered this possibility. The (probably useless) $15 per person Covid insurance required by the SXM government supposedly covers some medical expenses and $125 per day toward accomodations. If there are two people, does that mean $250 per day?? No one knows..
My suggestion to you is that you buy additional insurance to cover you and go from there. As others have suggested, even though it is no longer required, perhaps get a Covid test before you leave home, to confirm that you are not positive before you leave home.
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