@William--Bill-4 Your cancellation would fall outside of the covid policy, so I would advise that you should wait until the Fall. Things may have changed and you may feel it is okay to travel, things could get worse or as you say there could be a second round of contagion, in which case, you would probably get a refund. The worse that can happen is if you cancel w/in 30 days of your reservation, the same fee would apply as if you cancel now.
*You would probably have better luck in overriding the host cancellation policy if you wait until Fall also where there may have evidence that supports you should be able to cancel due to your age/health, and, again, if things are more settled/optimistic on the virus you may no longer wish to cancel at that time.