Skylux Travel

I have purchased Ticket Protection insurance through and from Skylux for ($417.32) for our two tickets for business class airfare to Johannesburg ($6414.00.00 including the ticket protection fee) flying on Ethiopian airlines for both myself & my wife, the dates of our trip being; 7/08-7/21. I just contacted Skylux to ask about how I proceed to request a full refund in case the world situation does not change between now and July. I am over 65 and strongly not advised by our doctor to travel to Africa this year due to the Covid-19 problem. Right from the beginning of my conversation with the Skylux representative is that (to my understanding) they (Skylux) placed the blame on Ethiopian airlines of not wanting to give refunds so they Skylux did not have to honor reimbursing us both our airfare and any and all cancellation fees (which the Ticket Protection was purchased for such unforeseen incidents of this type) even though the ticket protection plan clearly stated in their policy (as well as Skylux strongly suggests clients purchase at the time of booking the flight); Skylux Ticket Protection allows a 100 % refund of fully unused tickets for traveler(s) for any medical reason prior to scheduled departure. Upon questioning the Skylux representative he finally stated that the ticket protection plan was issued by Skylux and not the airline. Therefore my protection plan is with Skylux and not the airline. Now to the credit of the agent from Skylux he did say to wait closer to the time of the flight to see what the airline does with their policy and that he would try to get me a full refund if I desired. Once again the problem is being pushed off by Skylux for not immediately saying they will honor the flight protection policy. I do not want to wait and worry that I may or may not get my money back, I do not want a credit from the airlines since who knows what will happen between now and next year. This is a trip my wife and I have saved up for our whole life and now I have to wait to find out if I will be getting my own money / savings back. I feel Skylux actions at this point are potentially fraudulent for selling Ticket Protection for which they are not honoring reimbursement for without question or putting their clients in a very bad position. I am filing this as a preemptive action hoping that if I am forced to cancel my flight ( which at this time due to the Covid 19 problem here and even more so in Africa seems to be what will occur). That The Complaintsboard.com will be able to convince Skylux to do the right thing and honor their Ticket Protection Plan which they Skylux prosper from selling.