We do get the Allianz insurance through Delta but at our age we decided to get the extra coverage for possible evacuation. I lived on St. John 1979-1983 and had an emergency appendectomy in the old St. Thomas hospital which had no A/C. It was a harrowing experience and I almost died, not from the surgery itself but from the after care. I know they have a new hospital but certainly wouldn't want to end up in a similar situation. Get me to Florida.
As far as going to Tortola, we will see. Since St. John has gotten so crowded, I actually prefer Tortola but we probably will wait until the Covid craziness is over.