As many of us have been required to purchase insurance to travel to the BVI,
On 12/30/21 I actually had to use mine when I tested positive for covid two days before travel and had to cancel the entire trip.

Here is a summary of my experience so far.

Insurance Claim Experience
My trip to the BVI was canceled before we got off the ground due to positive covid test.
Fortunately, we had trip insurance. World Nomads
A company called Trip Mate handles all the claim processing.

Cancelling just two days before travel, we had the expenses:
1. Charter from Horizon Yacht Charters. ( No refund )
2. Air from Jet Blue. ( Tickets put on hold for one year. )
3. Lodging from Hilton ( full refund by Hilton)
4. Lodging from Nanny Cay Resort ( full refund by Nanny Cay )
5. Govt fishing license. (No refund)
6. Provision Orders ( Canceled no fees )

I filed the claim for the
1. full charter amount,
2. Full air fare ( we wont we able to use the tickets)
5. govt fishing license fee.

As you would expect, it been a very slow process.
After filing my original claim with Trip Mate on 01/06/22, we were notified that the claims documents had been received.
It took about 30 days for someone to actually look at the documents.

More to come