Also check to see what your credit card covers. Some have travel insurance "built in" if you have paid for a trip with the card. Some years back, my husband suffered a detached retina while in SXM. As soon as he was diagnosed by a doctor in Marigot, who advised us to go home immediately, we called the credit card company. They told us exactly how to proceed, covered the cost of an emergency plane trip home, reimbursed us for unused hotel nights, etc.