Evaluating the Pros and Cons between these 2 options - 1) Credit card charge back vs. 2) Claim through credit card insurance - for AC canceling my flight.

1) Credit card charge back - AC doesn't get the money, quicker resolution for me.

2) Credit card trip cancellation Insurance claim - I heard that some cards have maximum claim limit like $1500 and does not cover passengers under 18 years old? AC gets to keep the money, insurance company takes the financial hit, long term impact might be credit card insurance claims will become very strict after COVID, also a longer process before getting my money back.

Anything else I haven't thought about in terms of impact of various stakeholders in these scenarios? Assuming both options will make me whole, it is interesting to look at the pros/cons of these 2 options. Which option will you choose? And why?