Yes, travel insurance is worth carrying for a trip to George Town, the main settlement on Great Exuma in the Bahamas, and the honest reasons here are boating logistics and hurricane season rather than everyday danger. George Town sits on Elizabeth Harbour, a genuinely famous cruising and sailing destination that hosts the Family Island Regatta, and many visitors combine a land stay with boat charters or day trips out to the Exuma Cays, including the well-known swimming pigs at nearby Big Major Cay.
George Town has local clinic-level care for routine issues, but anything serious is typically stabilized there and then referred to Nassau, the Bahamian capital and the country's real medical hub, with further specialist treatment sometimes meaning a transfer on to Florida. Confirm your policy covers medical transport between islands and, if needed, onward to the United States, since that transfer - not treatment in George Town itself - is the part most likely to involve real distance and cost.
Boating, sailing, and boat charters around Elizabeth Harbour and the Exuma Cays are the main activity risk here, and standard travel policies do not always extend automatically to chartered or crewed sailing. Check that your policy names boating and sailing specifically before booking a charter, and confirm any depth or distance limits if snorkeling is part of the trip. Hurricane season, roughly June through November, is a genuine and well-known risk for the Bahamas, capable of disrupting flights, ferries, and charter schedules with real advance warning but still real cost.
Keep any clinic paperwork, charter-operator incident reports, and receipts for delayed travel or unplanned accommodation if a storm disrupts your trip. Many policies treat hurricane-related cancellation and delay as a standard covered event, so check the wording for how it is defined and what documentation is required, and confirm this cover explicitly before booking a Bahamas trip during hurricane season.