PRIMARY medical care coverage is a big deal, yes. I generally try to always book that. If it is not primary, there is a chance if you have medical costs, that you have to pay out of pocket and wait for the insurance to reimburse you. For COVID, if you're vaxxed and boosted, the medical costs might not be much. But let's say you have a heart attack or a stroke or whatever, the costs could be astronomical, especially for things like medical evac. Coverage outside the US varies greatly by carrier. Medicare has ZERO coverage out of the country. Our supplement covers 80%, but that 20% not covered could be huge.

For quarantine expenses, St. Maarten has a mandatory insurance policy that everyone must purchase. I would not recommend that the BVI implement that, as the SXM policy is pretty useless, in that it covers only $125 a day for lodging (ONLY--NO coverage for food, which it is required that all food be brought in). I generally buy all my insurance through TTOL sponsor Insure My Trip. They have ratings for which policies they consider to be the best for Covid coverage. It really takes a lot of looking at insurance policies these days, to know what they cover and what they don't. Insure My Trip allows you to compare policies side by side. Insure My Trip link