Hi all. Looks like we are heading to St. John and the BVI's in February. Really looking forward to this as our December /January plans this past year were trashed by Irma. Literally. I'm comparing trip insurance policies - looking at Travel Guard but wondered if others had suggestions for different/more preferable providers, or any experience stories to share. Looking at a cancel for any reason rider as well - only way to get around some of the weather/disaster related clauses even if it just covers 50% of trip costs. Thanks!