I think that's the wisest decision at this point. Even if your STATE lifts a travel ban and your airplane does go, AND the BVI is open for visitors by then, that doesn't mean that you won't have to be quarantined or whatever, when you come home.. Regarding United, I would insist on the REFUND. There is no way to know if the airline will still be solvent when this is all over with, whenever that might be.