What is the Sharia ruling on travel insurance?
The prevailing insurance is not permissible according to Sharia law because it involves interest, gambling, and ambiguity, which must be avoided. Therefore, it is not correct for the questioner to obtain travel insurance. Rather, nowadays, since its legitimate alternative (Takaful) has come into being, it is better to go for Takaful instead of insurance.
کما فی قولہ تعالیٰ: وَأَحَلَّ اللَّهُ الْبَيْعَ وَحَرَّمَ الرِّبَا اھ ( سورۃ البقرۃ: 275)۔
وقال اللہ تعالیٰ: يَاأَيُّهَا الَّذِينَ آمَنُوا إِنَّمَا الْخَمْرُ وَالْمَيْسِرُ وَالْأَنْصَابُ وَالْأَزْلَامُ رِجْسٌ مِنْ عَمَلِ الشَّيْطَانِ فَاجْتَنِبُوهُ لَعَلَّكُمْ تُفْلِحُونَ ( المائدہ: 90 )۔
وفی الموسوعة الفقهية الكويتية: اتفق الفقهاء على تحريم ميسر القمار الخ ( ج 39 ص 207 )۔