Yes, travel insurance is a sensible default for a trip through Sint Maarten's Princess Juliana Airport, and the honest driver is hurricane season rather than everyday risk on the ground. This half of the island of Saint Martin sits squarely in the Atlantic hurricane belt, and Hurricane Irma's direct hit in 2017 caused severe, well documented damage to the airport and the wider island, a reminder that storms here are a real planning factor rather than a boilerplate warning.
Maho Beach, right at the end of the runway, is a genuine attraction for visitors who come to watch and feel low jet overflights on final approach, and it is worth being honest that standing directly behind the fence in jet blast has caused real injuries over the years; this is a physical-safety note rather than an insurance gap, but it belongs in any honest account of the island. A standard policy will not cover ignoring posted safety warnings at the runway fence.
Hurricane season runs roughly June through November, and a storm approaching or crossing the island can ground flights, damage infrastructure, and delay both routine and emergency travel for days. Trip-cancellation and weather-related delay cover matter more here than in most Caribbean stops, so check that your policy responds to a named storm rather than only to a cancelled individual flight.
The island's own hospital handles routine care reasonably well, but anything serious typically means evacuation off-island, most often toward Puerto Rico or onward to Miami, the wider region's real medical hub; confirm your policy covers this kind of international medical transport rather than assuming local facilities suffice. Keep any clinic paperwork, airline delay notices, and receipts for unplanned accommodation if a storm disrupts your trip, and check whether your existing health cover extends abroad and specifically to this part of the Caribbean before you travel.