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https://www.delta.com/us/en/travel-planning-center/change-or-cancel-your-trip/cancel-change-requirements
There’s no change fees right now, so you can cancel and get your points back.
Chief
I’d get the trip insurance not in case you cancel but because it handles medical evac and lost luggage, etc. I’d especially get it for international travel. Remember at the beginning of COVID when countries closed their borders and people get stranded?
Also, its freaking hurricane season. I did this two years ago and got lucky. Hit the islands in between storms. Total luck!