Credit Card Trip Delay/Interruption Insurance
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would a typical credit card trip delay/interruption insurance cover my hotel/meal at B on Dec 3?
Impossible to say without reading the terms and conditions and specifically the exlusions of your specific insurance. They are all different, complicated and often full of loop holes that help the insurance to avoid paying claims. I'm guessing that the insurance will say that's this is the airlines responsibility and so they are not on the hook. "Finger pointing" is popular game that insurances like to play.
does this fall under .... ?
Again hard to say. The airline will certainly claim it's outside of their control and Covid has bee repeatedly accepted as "extraordinary circumstances" but to what extent that's a valid excuse will be ultimately be decided by the courts.
You do NOT need to accept the new schedule. You can simply cancel and get a full refund. However, if you do accept, the insurance is unlikely to pay since you booked this new itinerary "as is" and as long a it gets delivered as booked, it's hard to make an insurance case.
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