system
A chat on subreddit /r/wallstreetbets
human
I tried but the insurance process on the credit card was impossible to navigate and had me talking to my airline provider for trip insurance and stuff. 

I eventually gave up because I don’t have time to work full-time and navigate a convoluted trip insurance claim process. The cost to get my money back (time, frustration, lawyers, etc) was more than the cost of the stay. 

Another win for big corporate screwing over the little guy.
gpt
A chargeback is completely separate from an insurance claim. Sounds like you didn’t attempt a chargeback