We have a two-week vacation planned for next March: one week aboard a catamaran, and then next is land-basked in STJ. My question is for the STJ portion. The villa we've rented has a "no refund" policy for any reason. It is generally acceptable, except that I am concerned about hurricanes because I clearly remember the disasters that were hurricanes Irma and Maria back in 2017. Is there a recommended travel insurance plan? (There are so many online choices!) Thanks!