Thank you both. AS was generous and took no time to process my full refund (except the nonrefundable partner booking fee, which I didn't bother to bring up). I submitted a refund request on FI's website and explained why I have to cancel the flight, so we shall see. I gave up on Allianz they are useless. I booked the flight on February 20, weeks before Covid was classified as a pandemic but that doesn't matter to them! Thanks Again!