Bob, We've had 4 VRBO cancellations. They all had 100% refunds, all due to the virus. Double check with them, that doesn't seem right. I did as an owner have to approve the total refund with just a click of an OK. Hope this helps. Sunsh
Mine (owner) does not want to "play nice".... will allow us to move booking, possibly out to July, which we don't have any idea if travel will be possible, nor do we know if we could get a flight, or any other logistics...
I also found it so pleasant that the Trip insurance issuer sent us an email yesterday that the Global Pandemic and Government issued travel bans are not justification for coverage...