I really don't know about WDW as
Disneyland is my 'home pack'. I know at DL there's no refund/cancellation policy (at this point) on multi-day ticket purchases because of Covid. The tickets
do still expire, but they retain their face value for a future purchase. You just have to pay the difference between your expired ticket and the 'new' ticket. That's tickets NOT as part of a package.
It's one of the reasons I like doing a package. The whole thing is refundable if you have to cancel. Caveat...
.airfare booked with a package may not be refundable. But frankly, you can find cheaper flights outside of Disney package flights and still use the Magical Express.
TBH, if I were you I'd call WDW and ask about their ticket refund policy. Then I'd ask about pricing on a package. It may be worth your while to convert to a package that way if things go belly up, you'd get everything refunded.