I was exposed to Covid the day I was supposed to stay at the Airbnb. Due to my need to quarantine and wait for negative test results before going anywhere I asked if I could get a refund. The host declined and asked me to cancel my trip so they could presumably try and rent it out again that weekend making even more money. I asked for at least the $250 pet fee back since the unit was unoccupied the whole weekend. They said they would check and get back to me. As of this writing a few days later I still haven’t heard anything.
TLDR
I had a Covid scare and it cost me ~$1000
Hotels have insurance for this kind of thing