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Yes, had this situation recently. Was ill and provided a doctors note- Airbnb issued full refund after 8-10 days of review. Take the general steps: first ask the Airbnb host for refund based on your extenuating circumstances. If she doesn’t budge, email airbnb support with explanation and accompanying medical documentation (you can redact personal information from the doctors note as well, for privacy reasons)
I buy the insurance. It’s inexpensive