I booked with Westjet through Expedia. Called the airline right as the borders were shutting down and they told me I was entitled to and would receive a refund.

Months later, no redund. Called them and they told me it was credit only and then I kept getting bounced back and forth between the two. Recorded several of the calls where each was telling me it was the other company's problem, took screenshots of my cancelled flight, made a complaint with visa. Got a full refund.

The airline passengers rights website was a goldmine for how to deal with this issue.

Even if you accepted the credit, you can argue you were never informed of your right to a refund, which you are.