What type of insurance should clients consider if they injure themselves before the trip's departure?

Trip cancellation/trip interruption insurance is especially important for clients who may injure themselves before their trip begins. This type of insurance is designed to cover costs associated with canceling or interrupting a trip due to unforeseen circumstances, such as a personal injury. If a traveler is unable to go on their trip due to an injury incurred prior to departure, this insurance can help to recover the non-refundable costs associated with the trip, including flights, accommodations, and other prepaid expenses.

Health insurance is vital for medical coverage while traveling, but it does not provide coverage for the costs incurred if someone has to cancel or postpone a trip due to an injury. Similarly, trip delay insurance pertains to situations where travelers are delayed during their trip rather than before it. Baggage coverage insurance addresses issues related to lost, stolen, or damaged luggage, but it does not apply to the situation where a client cannot travel due to an injury. Therefore, trip cancellation/trip interruption insurance directly addresses the financial implications of having to cancel a trip due to personal injury prior to leaving, making it the most relevant option in this context.