Hello @Floor15 ,
Full refund is (technically) only true:
- if the host can not accommodate you in case of restrictions by govenmental law
- If the host is sick (infected by COVID).
In both cases the host must cancel the reservation and you will receive full refund.
If you can not travel because of restrictions, you need to cancel and the normal cancellation policy applies.
If you are sick (infected by COVID), you also need to cancel, but the COVID extenuating circumstances cancellation policy may apply for full refund.
I personally would not book an accommodation with a "strict cancellation policy" in these pandemic times. You can ask the host to change te policy to a less strict one OR try to get a travel insurrance which covers cancellation.
Some host will promise you full refund if case you need to cancel, but if they do not fulfill the promise, Airbnb can do nothing for you. Also a host can (offcourse) not refund Airbnb Guests Service fees.
Hope this helps