One more note, DELTA, for example offers Allianz trip insurance during the flight booking process. That policy is great for a domestic trip or if trip cancellation/interruption/delay is your main concern. But you get much higher medical/medivac coverage limits when you purchase a policy directly from Allianz or a comparison site. And the premium is not much more…
Enjoy your trip, sounds great! Hope you are able to visit beautiful Tortola while there!