Is it permissible for the wife to stipulate to her husband a monthly allowance and the costs of travel insurance for her return to the marital home, and is the husband obligated to fulfill these conditions if he agrees to them?

If the wife refuses to return to the marital home without a legitimate شرعي excuse, she is considered disobedient (nashiz) and forfeits her right to maintenance (nafaqah), unless her return would cause her harm. The wife does not have the right to stipulate conditions for her return, and even if the husband agrees to such conditions, he is not obligated to fulfill them.