Dear Friends at OAT, RE: Raghuvir Rai & Neelam Rai, customer # 207****, medical reason cancelled reservation # 378**** (1) I have received partial refund of $9,605.75 to my bank account on your files (2) I have not received refund for deposit paid thru my credit card in the amount of $700.00 and (3) I have not received refund for cancellation fees for two travelers in the amount of $600.00, which was approved by Allianz Insurance. KINDLY REFUND $600.00 TO MY BANK ACCOUNT. AND ALSO REFUND $700.00 TO MY CREDIT CARD. Both account numbers are on your files. Looking forward to travel again on your trips after multiple procedures are completed as required by my Physicians and Surgeons. Thank you. Sincerely, Raghuvir Rai User's recommendation: Claim has been satisfactorily settled. OAT provides excellent value for trips.