We'll be traveling from the U.S. to St Thomas via plane and then to Tortola via ferry at the end of the month. I think I understand the entry and insurance requirements but am a little nervous if someone could help me out.

Flight to St Thomas requests a rapid to or PCR test within 5 days (will test at pharmacy a day or two before)
Ferry to Tortola requires rapid or PCR test within 48 hours (have e med kits to take in st Thomas)
I attached my insurance which I think covers the insurance requirements?? How is this checked? Did I get the right thing?
To get back to St Thomas requires another test within 5 days. (Have a second e med)
Flight back to US may require another test (have another e med just in case)

Crazy world. Thanks for any help

Attached Files Screenshot_20211215-131422.png