I am not sure about legality on refund. But, have you asked the airlines if they can let you change the travel date or book a different trip? That way the money is still used on potential travel :)
It would be very hard for Airline to Give Full Refund and instead they will offer Rescheduling or Booking different trip and you should plan for that. Many Airlines came up with option of rescheduling or booking on different route initially without any additional charges during early outbreak of Corona.