@Farred-Abduzzareen0 No, it does not. mean that at all. You have to scroll down to read the rest. The part that applies to you would be:
Regardless of reservation date, the extenuating circumstances policy applies to reservations of all global hosts or guests who must change or cancel travel:
- In order to comply with disease control restrictions implemented by relevant governmental or health authorities;
- In order to perform medical or disease control duties in connection with the COVID-19 outbreak;
- As a result of flight or ground transport cancellations initiated by an airline or ground transport provider due to the COVID-19 outbreak;
- In the event that they are diagnosed or suspected of being infected with COVID-19 by a medical or health authority.
If you are voluntarily cancelling your trip as a personal precaution, rather than being required to by another authority, you are not currently eligible to override your host's cancellation policy. For this situation you should contact your travel insurance provider instead.
Your host, as it were, is not your insurance.