They have not contacted me even though Insurance Company of their selection approved my claim User's recommendation: Be careful protecting your money when reserving your trips with OAT. If you make your trip, it will be good. If you can’t go, you won’t see your money back even though you buy insurance thru OAT. They like to give you future travel credits but not refund. What if you can’t travel for medical reasons? Tough luck. You would just lose your money.