BUY THE INSURANCE! If you are going to book with OAT which I would not recommend make sure you buy their very exspensive trip insurance. We didnt and boy did we pay...our car was broken into 18 hrs before our flight all of our luggage passports and of course my wallet were stolen, leaving us unable to take our much anticipated trip to Turkey. It was Saturday of Memorial Day weekend and nothing was open there was no option to get replacement passports issued. Not only did OAT offer to do nothing for us, they even refused to give up the airline tickets which were issued in our name so that we could at least fly somewhere later once our passports had been reissued. We spend 8K on this vacation and we are not wealthy retirees like most of their travelers, it will take us a long time to recover from this loss. If I had booked this travel independently like our previous trips I would have at least been able to use my plane tickets later and cancel my hotel rooms. BOO OAT! You are everything that is wrong with corporate america, so greedy!