"War is what I say it is"
After 9/11, we got stuck in Europe trying to get home. Had to buy new air tickets.
The "travel insurance" declined to pay on account of "it was an act of war". Said nobody except GWB some months later.
The insurance industry tout says things like "Insurance companies have the burden of proving an exclusion clause applies".
Only if you drag them, kicking and screaming, into court. And fight them, for several years. At your own expense. Over the meaning of "reasonable".
Luck to you!