I had a killer argument from Citi Prestige Insurance department, they applied it to deny baggage protection, but can also be successfully applied for trip delay protection. They said that terms state "we may reimburse", the word "may" is used to deny my claim for the protection as there is no requirement for them to the actually to do it. For example it does not state that they "will reimburse you".
Maybe its just my luck, but I didn't have same luck with Chase Sapphire Preferred also a lot more cheaper card to have.