@Ray43
Glad to hear you got a positive outcome (although you shouldn't have had to waste your time in getting the payout seeing as it was due under the current policies).
However, regarding travel insurance, it's my understanding that insurers will not pay out when there is a way for the guest to get a refund from Airbnb. So, until Airbnb changes its COVID EC policy, there's little point in the guests having insurance to cover this situation as they wouldn't be able to claim it.
So, yes, Airbnb are essentially making hosts the travel insurance.