Yes, travel insurance is worth having for a trip to Virgin Gorda in the British Virgin Islands, and the honest case blends real evacuation distance with the boating culture that draws most visitors here in the first place. Virgin Gorda is known for The Baths, its famous granite boulder formations, but the island's small size and limited medical facilities mean that anything serious quickly becomes a question of getting off the island rather than treating it in place.
Virgin Gorda has only basic local health services, and anything beyond routine care is typically stabilized locally and then transferred to the territory's main hospital on Tortola, a short ferry or boat ride away. For genuinely serious or specialized cases, further evacuation onward to Puerto Rico or Miami is a realistic possibility, though not guaranteed in every case. Confirm your policy covers inter-island medical transport and international evacuation rather than assuming local Tortola care is the ceiling.
Boating and yacht sailing are the main activities that bring people to Virgin Gorda and the wider BVI, whether on a bareboat charter or a crewed yacht, and standard travel policies do not always cover sailing or crewing automatically - some cap coverage or exclude it outright. Confirm your policy names boating and sailing specifically before chartering, and check any exclusions around operating a vessel yourself versus being a passenger on someone else's boat.
Hurricane season, roughly June through November, is a genuine risk for the BVI, and storms can disrupt inter-island ferries, flights, and charter schedules with little notice, sometimes for days at a time. Keep any clinic paperwork, charter-operator incident reports, and receipts for delayed travel or unplanned accommodation if a storm disrupts your trip, and check that your policy's trip-delay and cancellation cover responds to hurricane-related disruption specifically rather than only to a formally named storm.