The required insurance only covers those who test positive. You’re on your own if you are just exposed by someone and that keeps you from boarding a flight. You’re also not covered if a travel companion, like a family member, gets sick. They’ll get $125/day, but you won’t have any coverage for whatever it may cost to stay on the island through their quarantine.
Last December, we purchased additional insurance that covered quarantine under trip delay and will provide coverage if anyone in our party couldn’t continue home. For a party ot three, we had $2,000 each, or $6,000 overall. Ideally, that would have given us plenty to pay for lodging even in the high season. The unknowns were if we would have been forced to stay somewhere specific, who’d bring meals, etc.
I’d assume someone has tested positive and been required to stay longer than planned, so these are definitely questions you’d think could be answered.
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