Be sure to read read the fine print...

BVI was/is requiring TRIP insurance not just HEALTH insurance.

Difference is, TRIP insurance covers some health care cost, but also things like trip cancelation, lost luggage, delays and "cost for Covid quarantine".

These things that regular health care does not cover is what BVI is/was requiring.

Also know that the health care portion of most TRIP insurance policies is called "Secondary" meaning it only covers any remaining cost after your regular health care policy has paid out.

Since I have HEALTH care that covers me for issues outside the US, I really don't need the "Health" portion of the TRIP insurance policy. Have not seen a TRIP insurance policy that only covers TRIP related issues w/o HEALTH.