What is the ruling on money paid by insurance companies as compensation for travel delays or cancellations, or loss of luggage, when credit cards that provide this insurance are used to pay for the ticket?

First, one should examine the conditions for obtaining this type of card to determine its compliance or non-compliance with Shariah regulations. Then, one should consider the type of insurance company: is it a permissible Takaful (mutual) company or a forbidden commercial one?

If the card is permissible and the insurance company is Takaful, then there is no objection to obtaining it or to taking the money. However, if the card is not permissible and the insurance company is commercial, then the cardholder sins by obtaining it, and he is not permitted to take any money except for the amount of the insurance premium he paid.