I am considering a trip to Germany (FRA) in October, but it seems that AC does not have a revised cancellation policy similar to WestJet. I would not be interested in travelling if restrictions like quarantine for international travellers were still in effect at that time (which is quite likely). Can someone confirm that on AC the fare still determines cancellation policy and penalties?

A bit of background to this trip: I was supposed to be in Germany right now to visit my 85 year old mother, had booked with Westjet via CDG and intended to spend a few June days in Paris. So now I have the value of this trip in the WS travelbank, and could re-book into October but have lost interest in the Paris visit and hassles of train travel to Germany. Still if I book with WS and cancel, then the refund would go just back into the travelbank. The AC standard fare to FRA is about 50% higher than WS but it looks like they don't have a travelbank approach for covid related cancellations. So I am really torn between the options.