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I need your help getting a refund for a single supplement I don't think I should have to pay. With a friend, I booked an Africa trip through Overseas Adventure Travel. We're both in our mid-60s, so I bought trip insurance. My friend, with the philosophy of "if anything bad happens, I'll pay for it," did not. Two weeks before we were to leave, I had back pain, and my doctor recommended that I not take this trip. My insurance company reimbursed me in full. My problem is that when I notified Overseas Adventure Travel of my cancellation, it demanded that my friend pay a $375 single supplement and said if she didn't, it would cancel her trip that day. I paid the supplement, since she was out of town. My friend asked Overseas Adventure Travel to refund the supplement, but it refuses. ? Sue Koopman, San Francisco It was nice of you to cover your friend's single supplement. It was not nice of Overseas Adventure Travel to threaten to cancel her trip unless you forked over another $375. Single supplements are a charge added to hotel or cruise rates based on an assumption of double occupancy. From a tour operator's perspective, a single traveler takes up a room that would accommodate two people, and it's getting only half the money it normally would. Overseas Adventure Travel's policy on single supplements is clear. Where applicable, the supplement must be paid. Here's a link to the rule: www.oattravel.com/gcc/ general/default.aspx?oid =206816#item_206866. The company offers what it calls a "roommate matching service" in case you want to double up with someone else. It has some tours that don't charge a single supplement, and to be fair to the company, the single supplements it charges are based strictly on costs. But what were its costs? If you had already paid in full and were getting a refund from your insurance company, then Overseas Adventure Travel would have received all it needed to cover the cost of the single supplement. So your friend probably was being charged as a matter of policy. If you ever find yourself in a similar situation, with a merchant insisting you pay up right away, try to slow down the process. Ask the agent to e-mail the chapter and verse of the policy and an invoice for the price difference, and request a reasonable amount of time to settle up. Unless the company is running a scam ? or unless you're traveling that day ? it should be allowed. At my suggestion, you wrote a brief, polite letter to Overseas Adventure Travel, and it sent you an equally brief and polite reply confirming that the supplement needed to be paid. I contacted the company on your behalf, and a spokeswoman confirmed that it was well within its rights to charge a single supplement. The company's records don't indicate that an agent demanded the supplement. "This would not be a productive course for us, nor would we ever threaten one traveler with another traveler's trip cancellation," the spokeswoman told me. Overseas Adventure Travel considers this a "misunderstanding" and has reimbursed your $375.