AS another Canadian, I definitely would not travel anywhere outside the country right now. Our department of health is strongly recommending that and have stated you are on your own if you disobey these orders. You should not lose your money for anything if your government states you are not to leave the country. VRBO will have to acknowledge that and the airlines here are refunding your money or giving you a voucher for future travel, I know this is probably not what you want to hear, but hopefully it will enable you to make a wise decision.SXM is not going anywhere and there will be lots of opportunities in the future. Also the USA has just declared this as a National Emergency as the cases there have risen greatly in the last few days. Canada has many fewer cases but our government is taking measures quickly to eliminate as many cases as possible.