@Kelly1234 If you booked the trip on or before March 14, you should qualify for a full refund from Airbnb under Extenuating Circumstances. That would certainly be the better option for you.
If you booked in the second half of March, you're probably ineligible, so you'd be subject to the terms of your host's cancellation policy and any travel insurance you might have. I don't know anything about the Bahamas Vacation Club, but personally I'd rather accept a partial refund than a voucher that can only be used in a destination you might not be willing or able to travel to during its validity period.