Just a FYI. Word Nomads is the travel insurance that Horizon recommends.

I did not purchase for my upcoming trip.

Here is World Nomads policy:

I had booked travel to a country that has now closed its borders. Am I covered?

Many countries have been refusing entry to tourists as a way to prevent the spread of COVID-19. While we understand this has impacted many people’s upcoming trips, unfortunately,
our travel insurance does not cover border closings or travel bans when it comes to trip cancellation.
However, if the border is closed, please contact your travel provider for assistance; they may be able to offer you alternate dates or waive change fees.

Looks like it would not have been much help for the current situation in the BVI.

Here's hoping for open borders by June!