Flew BCN to SFO with a stopover in Philly. Short ~10 min delay on the tarmac rerouting around a storm in the midwest. Flight is abruptly cancelled, the combinat

Flew BCN to SFO with a stopover in Philly. Short ~10 min delay on the tarmac rerouting around a storm in the midwest. Flight is abruptly cancelled, the combination of the delay and the very slightly longer route caused the pilots to time out. AA refused a refund because they classified it as weather and they have no responsibility for the fact that their pilots had 20 minutes of buffer in how long they were allowed to fly, and no other pilots were available. My credit card comes with insurance for this, but I've been going back and forth with Visa's process for this since July and still haven't gotten reimbursed.