Am I able to get a refund from Ryan Air if I catch Covid?

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If I catch covid before I go away will Ryan air refund me? I have travel insurance but my understanding is that they will not pay out if Ryan air offer a voucher. WE have 4 flights booked for the family and are restricted due to time off at work and kids being back at uni etc so will be unlikely we will be able to use a voucher.
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