Had this error “Joining failed; can’t load this game right now”. We had just gotten to Act III, but when we left off, we were in combat.

To work around the issue, The Host for my game went back to an older save, where we were not in combat. All characters were at Camp, then we each requested to join the game. The Host was then able to accept the request to join, and I did not receive the Error message. Once we all loaded at camp, the Host loaded the newer save. Hope this helps if anyone else runs into this issue.