We purchased insurance through AAA for the dates we were in SXM. Make sure your coverage for evacuation is enough $$. Ours was $100,000 through AAA better than the insurance you get when you buy your plane tkt. I used my insurance this year for a fractured tooth which I needed to have temporarily repaired while in SXM due to sensitivity and difficulty eating. Within 10 hours of breaking my tooth, I was in the dental chair...took 1/2 to cover the tooth with temporary filling which lasted for two months until I returned home. I submitted the bill from my iPhone in SXM and received the check prior to arriving home.