The insurance was a flat rate for the entire duration of the program. We paid $14K for the entire program. $3840 was for housing and requested back $2400. I am attaching the letter I wrote that details out all of the numbers.Was the insurance monthly premiums or one premium for the program? If the latter than I wouldn't foresee a refund for that.
How much of the 4000 was for the excursions vs housing?
The insurance was for medical etc in case they needed medical services while abroad. It was not trip insuranceYou say there was insurance. What kind of insurance? Did it cover trip interruption?
If it didn’t, you could file a complaint with the Attorney General in the State the business is located but honestly, small claims court is your best option. Although you could win and still not get anything.
The letter we wrote was a demand letter; the first step required in CA for small claim court. They have been very unhelpful during the entire process so just starting to compile the paper trail.From her letter it was medical insurance for the entire program. API would have paid the insurer that money and can't just refund it without getting the money from them first. I have no idea if medical insurance companies pro-rate plans if they're ended early but I would guess not.
I'm assuming API didn't own the housing she was staying in - have you looked at who owns the housing to see if they are refunding money?
The letter also said there was about a $2000 balance due (waiting on student loan funding). So if the balance is no longer due and you add in the cash refund you received API refunded almost $3000.
Her letter also mentions taking them to small claims court if they don't get a refund by May 4 and cc's an attorney. Both of which usually decreases the chance of the company working with you.