There are two questions: what will it take to get government approval to enter the territory, and what do you need to protect yourself financially. The first can be a letter from your medical insurer saying it covers you internationally. The second is more complicated, as there are a number of risks.

What happens if your pre-travel test is positive and you have to cancel your trip? Can your tickets be refunded or credited? What about your house or boat rental? If you test positive on arrival or prior to departure, can you afford to quarantine in a hotel (that may not be of your choosing)? What if you require medical evacuation? The answers to these questions will determine what insurance you need.