Prosthodontics in the 21st Century & Managing Your Practice and Personal Finances for Optimum Profitability and Success

Royal Caribbean's Freedom of the Seas — Royal Caribbean's *Freedom of the Seas*

COURSE FEES

$795.00

$650.00

Spouse fee: $295

TARGET AUDIENCE

Dentists, Dental Hygienists, Dental Staff

PROGRAM TOPICS

Prosthodontics in the 21st Century

It is no secret that today, with new materials and computerized manufacturing we are planning and building our prosthetic cases in a radically different way. Things are changing so fast, it is difficult to keep up. Our problem as clinicians is the vast majority of us were never exposed or trained in these techniques. The change in manufacturing also requires a change in how we approach our cases, and how we make clinical choices. In this seminar, we will start with the basic material in the modern esthetic case, Ceramics. We will make a case for using this material and will cover its chemistry and structure. Different ceramic systems will be covered along with their clinical implications and how they are handled in the dental laboratory. The last part of the ceramic seminar will focus on those ceramic systems that require CAD CAM manufacturing along with their clinical implications. Our next topic will cover the Science and Art of Color, and how that applies to our ceramic systems. We will go over the complexity of why we make errors in our choices, and what we must do to overcome those errors. We will end our journey by going into the detail of using digital equipment for impressions, how we use planning software, how we mill, what material we mill, how we print, what we print, and how we use Cone Beam technology to plan and integrate with our planning software. Once we cover these topics, we will cover the compromises we make with this technology, when to use it appropriately, and most important, when not to use it. When we have completed this seminar, you should be able to make the appropriate choice of material and manufacturing method to match the case you wish to construct based on what the patient's conditions present to you.

Managing Your Practice and Personal Finances for Optimum Profitability and Success: The Power of 50% (or Less) Overhead Expense

MAKE MORE * KEEP MORE * * INVEST FOR SUCCESS AND ECONOMIC FREEDOM* LEARN HOW TO MAKE IT HAPPEN! THIS COURSE IS A MUST FOR DOCTORS, SPOUSES AND TEAM LEADERS/OFFICE MANAGERS - AT ANY STAGE OF THEIR CAREERS Instructor: Dr. Hugh Habas This is a seminar focusing on the tools needed to ensure practice profitability (the net), common mistakes to avoid and systematic investment strategies designed to create economic freedom. It has been estimated that approximately 95% of dentists in the U.S. do not have the financial ability to retire at age 65 and enjoy the same standard of living they did during the years they were in practice. Younger and mid-career dentists are being overwhelmed by student and practice debt, very often with no strategy or clarity on how to manage these challenges. Dentists approaching retirement need to preserve what they have accumulated with the expectation of great longevity. The presentation will be designed to address all these issues with a focus on effective practice management, systematic approaches to wealth-building and asset accumulation during one's career in dentistry. Topics will include:

Overhead control - the mistakes we make, with particular attention to payroll expenses and benefits.
Holding onto the"fruits of your labor" - i.e., living on less than what you earn and strategies for achieving this goal.
Systematic investing - the efficacy of investing in both retirement plans and personally with a great deal of discussion of successful strategies, great rewards and how risk can be mitigated.

LEARNING OBJECTIVES: BOTH THE DOCTOR AND HIS OR HER CAREER-ORIENTED PROFESSIONAL STAFF REALIZE INTUITIVELY THAT THEIR ULTIMATE PROFESSIONAL AND FINANCIAL SUCCESS AS WELL AS THEIR OWN RELEVANCY IS CONNECTEDTO THE ULTIMATE SUCCESS OF THE PRACTICE. It has been estimated that approximately 95% of dentists in the U.S. do not have the financial ability to retire at age 65 and enjoy the same standard of living they did during the years they were in practice. Younger and mid-career dentists are being overwhelmed by student and practice debt; very often with no strategy or clarity on how to manage these challenges - dentists approaching retirement need to preserve what they have accumulated with the expectation of great longevity. This presentation is designed to address all these issues with focus on effective practice management, systematic approaches to wealth-building and asset accumulation during one's career in dentistry. AT THE CONCLUSION OF THIS PRESENTATION DOCTORS, SPOUSES AND STAFF WILL HAVE A DEEPER UNDERSTANDING OF THE FOLLOWING ISSUES AND CHALLENGES:

An understanding that getting out of debt and establishing a pathway to economic freedom is when all the fun of practicing dentistry begins.
The 4th Habit of Highly Successful People and its relationship to Doctor and Staff
Why budgets don't work long term
The importance of saving and investing EARLY
Determining what your post-career financial requirements will be as well as your goals
The CHALLENGES we face today and yesterday as a profession
THE FUTURE OF OUR PROFESSION
A TYPICAL SOLO PRACTICE ACCORDING TO ADA
Maximizing practice profitability
Increasing practice production and collection
Controlling overhead expense
Examining guidelines for all expense categories and ways of improving results
Maintaining the sum of all practice expenses below 50%
External marketing efforts-BEWARE
DIFFERENTIATING YOUR PRACTICE TO ENCOURAGE MAXIMUM REFERRALS/CONCIERGE CRITERIA
How to deal with, or not, bonus systems
Fee increase considerations
Payment arrangements with patients-a unique approach to consider
Staff related issues - leadership
Staff compensation as a function of production and total practice revenue
Embezzlement
PERSONAL FINANCE ISSUES
Accumulating assets throughout one's dental career
Common threads of success among young high net worth professionals as well as individuals at all income levels enjoying success in achieving their goals
Demographics of successful dental professionals-doctors and staff
Beware of ONIOMANIA?
How you get there and how you don't
"How am I doing?" formula-at any income level on a personal level
GROWING YOUR ASSETS / INVESTING
INVESTING FOR GROWTH VS. INCOME?
How much will you need at the end of your career/figuring it out
Inflation and its effect on your goals
The Rule of 72-again and again
The pathway to reaching that goal - working backwards
Obstacles along the way
Investment goals
The absolute need for a fee based highly qualified financial planner
The need for emergency funds and liquidity
Understanding of risk / reward
Various ways to invest
Investment vehicles
How to choose an investment advisor and what to watch out for
What does safety mean-upsides and downsides
Timing the Market/Active Management-Be Careful
Purchasing Income through insurance products-potential downsides
How do you choose a "FINANCIAL ADVISOR"
What is a Fiduciary?

IMPORTANT INFORMATION

PLEASE NOTE: To attend the conference, participants must book their cruise accommodations through University at Sea^®. This ensures we can provide full conference services and complimentary social amenities to meeting participants and guests. Participants' family and friends are welcome to book within our group allotment to take advantage of our typically excellent rates. Thanks for your cooperation. We look forward to welcoming you aboard!

BIAS FREE CME - No Commercial Support was provided for this CME activity.

Faculty

Hugh O. Habas, DDS

Dr. Hugh Habas earned his dental degree from Case Western Reserve University. He maintained a private dental practice in Central New Jersey for 39 years as a general practitioner.

Dr. Habas was President of the Middlesex County Dental Society, State Trustee for the New Jersey Dental Association, "Board Expert" for the New Jersey State Board Of Dentistry and a Dental Defense Malpractice Expert for the Princeton Insurance Company.

He is a past member of the New Jersey Academy of General Dentistry, Past President, co-founder and member of the ITI Raritan Valley Dental Study Club, established 40 years ago, as well as a Life Member of Organized Dentistry and the ADA.

Frederick Knoll, DDS

Dr. Knoll attended undergraduate school at Temple University and Hofstra University. He received his Doctorate in Dentistry at Case Western Reserve University in 1971. After two years as a dentist in the United States Army, Dr. Knoll went into practice in Brooklyn, NY with this father.

In 1976, Dr. Knoll moved to South Florida. Dr. Knoll has held academic positions as an Assistant Clinical Professor as Nova Southeastern University in the department of Prosthodontics where he taught both Pre Doctoral students and Post Doctoral Students. He was also a Full Professor at the University of Florida School of Dentistry where he taught Post Doctoral residents in Prosthodontics.

He now holds the post of Department Head of Prosthodontics at the Florida Institute of Advanced Dental Education, where he teaches Post Doctoral residents and practicing dentists in the field of Prosthodontics (crowns, bridges, implant restorations and cosmetic dentistry). He has lectured extensively on the field of Prosthodontics both locally and nationally for the last twenty years. He is a member of the American College of Prosthodontics, The American Dental Association, and a Fellow of the American College of Dentists.

Accreditation

ADA CERP Logo

Credit Designation for Dentists: Continuing Education, Inc. is an ADA CERP Recognized Provider. ADA CERP is a service of the American Dental Association to assist dental professionals in identifying quality providers of continuing dental education. ADA CERP does not approve or endorse individual courses or instructors, nor does it imply acceptance of credit hours by boards of dentistry. Continuing Education, Inc. designates this continuing dental education activity for 14 continuing education credits.

Concerns or complaints about a CE provider may be directed to the provider or to ADA CERP at www.ada.org/cerp.

In support of improving patient care, Continuing Education, Inc./University at Sea™ is jointly accredited by the Accreditation Council for Continuing Medical Education (ACCME), the Accreditation Council for Pharmacy Education (ACPE), and the American Nurses Credentialing Center (ANCC), to provide continuing education for the healthcare team.

Continuing Education, Inc. is an ADA CERP Recognized Provider. ADA CERP is a service of the American Dental Association to assist dental professionals in identifying quality providers of continuing dental education. ADA CERP does not approve or endorse individual courses or instructors, nor does it imply acceptance of credit hours by boards of dentistry. Concerns or complaints about a CE provider may be directed to the provider or to the Commission for Continuing Education Provider Recognition at ADA.org/CERP.

Continuing Education, Inc. designates this activity for {credits} continuing education credits.

Cruise Itinerary

DATE	PORT OF CALL	ARRIVE	DEPART
Sunday, February 17	San Juan, Puerto Rico	-	8:30 pm
Monday, February 18	Basseterre, St. Kitts Lectures: 7:00am-9:00am	9:00 am	6:00 pm
Tuesday, February 19	St. John's, Antigua Lectures: 7:00am-9:00am	8:00 am	5:00 pm
Wednesday, February 20	Castries, St. Lucia Lectures: 7:00am-9:00am	9:00 am	6:00 pm
Thursday, February 21	Bridgetown, Barbados	8:00 am	7:00 pm
Friday, February 22	*At Sea - Cruising Lectures: 8:00am - 12 Noon; 1:00pm - 5:00pm	12:00 am	12:00 am
Saturday, February 23	Philipsburg, St. Maarten	8:00 am	6:00 pm
Sunday, February 24	San Juan, Puerto Rico	6:00 am	-

*Tentative course schedule, actual class times may differ.

Ports of Call

San Juan, Puerto Rico

San Juan offers one of the most sophisticated and accessible experiences in the Caribbean. Unlike ports requiring long transfers to see anything of value, Old San Juan greets you immediately upon disembarkation. This 500-year-old walled city is a UNESCO World Heritage site best explored independently on foot, allowing you to bypass crowded bus tours and move at your own pace.

Your priority should be the two massive citadels guarding the coast. Start at Castillo San Cristóbal, the largest Spanish fortification in the New World, before walking the scenic coastal trail to the iconic Castillo San Felipe del Morro. The sheer scale of these defenses is humbling, and the expansive green lawn leading to El Morro—often dotted with kites—provides a dramatic contrast to the deep blue Atlantic.

Between the forts lies a grid of blue cobblestone streets (adoquines) lined with vibrant colonial architecture. The joy here is aimless wandering, though the heat can be intense; stay hydrated and wear sturdy walking shoes to navigate the hills. For a cultural pause, visit the Cathedral of San Juan Bautista, the resting place of Ponce de León.

Culinary exploration is essential. Skip the generic tourist traps near the pier and head deeper into the city. Seek out mofongo (garlicky mashed plantains) at a local staple like El Jibarito or Café Puerto Rico. While the nearby beaches of Condado are beautiful, they require a taxi and contend with traffic. Unless you have visited before, we advise dedicating your day entirely to the history and atmosphere within the city walls, finishing perhaps with a Piña Colada at Barrachina, right in the heart of the old town.

Puerto Rico, family walking in San Juan, exploring, sight-seeing, adventure, culture, family fun,

Man kayaking in ocean of Puerto Rico; Caribbean; blue sky, blue water ocean sea; yellow kayak and paddle; blue life vest jacket; back view of man or view from behind, shore excursion

May 2017 Allure Instameet shoot, Oliver Vegas, Ovunno, Old San Juan, Puerto Rico, wide shot of island with El Morro Fort, national historic site, history, culture, national park, architecture, sunset in background,

Instameet, Puerto Rico, Old San Juan, Colorful Buildings, Architecture, Woman walking past cars, down winding old brick street, exploring, adventure,

Instameet, Puerto Rico, Old San Juan, Moro Fort, history, Architecture, Woman wearing wide sun hat looking out to sea over the fort wall, scenery, ocean horizon,

Basseterre, St. Kitts

A hiker and child seated on a rocky cliff overlooking a turquoise coastal bay and green peninsula on a sunny day.

St. Kitts stands out in the Caribbean for its dramatic topography and deep colonial history, offering a richer experience than the standard beach-only destination. The island is dominated by dormant volcanoes and lush rainforests, providing a backdrop that feels wilder and more rugged than many of its neighbors.

The premier attraction is undoubtedly Brimstone Hill Fortress National Park. A UNESCO World Heritage site, this massive British fortification sits high atop a volcanic hill. It requires a bit of a climb, but the panoramic views across the Caribbean Sea to Sint Eustatius and Saba are spectacular. It is a genuine highlight for history enthusiasts and photographers alike, well worth the entry fee and the drive.

For a more relaxed tour of the landscape, the St. Kitts Scenic Railway is unique in the region. Originally built to transport sugar cane, the double-decker train loops around the coast, offering a comfortable way to see the villages and countryside that are otherwise hard to access. Alternatively, a stop at Romney Manor offers a blend of nature and culture; the botanical gardens feature a magnificent 400-year-old Saman tree and house Caribelle Batik, where you can watch local artisans at work.

Basseterre, St. Kitts, dramatic shot of three men, divers, diving, jumping backwards off a pier, wharf, backflip into ocean, island hills in distance, fun, action, daring

If a beach day is your priority, we advise skipping the Atlantic side and heading to the Southeast Peninsula. The drive itself is scenic, crossing the narrow isthmus with views of both oceans. South Friars Bay and Cockleshell Bay offer the best calm waters and soft sands, lined with casual beach bars facing the peak of Nevis.

Basseterre itself is a bustling, authentic Caribbean town rather than a sanitized tourist trap. While Port Zante is filled with standard duty-free shops, a walk into the town center reveals the Circus—modeled after Piccadilly in London—and Independence Square, a poignant reminder of the island's history as a former slave market. We recommend prioritizing the island tour or the peninsula beaches, using the town primarily for a brief historical stroll before returning to the ship.

Marina at Basseterre, St. Kitts, Caribbean

St. John's, Antigua

Glimpse of Hawaii, GoH influencers, Sage Stephens, Antigua, underwater, stingray, ray, POV at waterline showing above and below, clouds in background, marine life,

While the local tourism board famously markets Antigua as having 365 beaches—one for every day of the year—relegating this island to a simple sun-and-sand destination does a disservice to its profound historical significance. For the educated traveler, Antigua offers the Caribbean's most compelling example of British naval heritage combined with vibrant West Indian culture.

Glimpse of Hawaii, GoH influencers, Nate Ancheta, Antigua, young woman paddling kayak through narrow opening in mangrove tree roots, followed by another kayak, POV onboard kayak in back, fun, adventure,

The crown jewel here is English Harbour and Nelson’s Dockyard, a UNESCO World Heritage site on the south coast. Unlike sterile museums, this is the world's only continuously working Georgian dockyard, where 18th-century stone buildings now house bakeries, workshops, and restaurants amidst modern superyachts. We highly recommend the journey to Shirley Heights nearby; the panoramic view over the harbour is perhaps the most photographed vista in the Caribbean and well worth the winding drive.

Glimpse of Hawaii, GoH influencers, Nate Ancheta, Antiqua, couple kayaking in ocean, two kayaks, young man and young woman, mangrove islands in background, lagoon, paddling, fun, adventure,

In the capital of Saint John's, where ships dock, the experience is bifurcated. You will disembark at Heritage Quay, a standard complex of duty-free jewelry and electronics shops found throughout the region. However, a short walk leads to Redcliffe Quay, a preserved district of 19th-century warehouses converted into boutiques and cafes that feels far more authentic. For those interested in the island's agricultural past, the landscape is still dotted with the stone towers of sugar mills, with Betty’s Hope offering a restored look at the plantation era.

If your priority is relaxation, the beaches truly are spectacular. Dickenson Bay offers full amenities and proximity to the port, while Ffryes Beach and Darkwood Beach on the southwest coast offer turquoise waters with a more laid-back atmosphere. Whether you choose naval history or coastal relaxation, Antigua requires leaving the immediate port area to appreciate its genuine stature.

GoH, Dan Worden, influencers, Antiqua, trio, three young people sitting on rocks by shore, waves splashing against cliffs, relaxing, fun,

GoH, Dan Worden, influencers, Antigua, young woman paddling kayak close to mangroves, fun, relaxing, adventure,

GoH, Dan Worden, influencers, Antigua, young man paddling kayak near shore, another person in kayak in background, fun, relaxing, adventure,

GoH, Dan Worden, influencers, Antiqua, trio, three young people sitting on rocks by shore, waves splashing against cliffs, POV from water, relaxing, fun,

Castries, St. Lucia

St. Lucia is defined by its dramatic topography, distinguishing it from flatter Caribbean neighbors. The island’s visual signature is the Pitons, twin volcanic spires rising from the sea—a UNESCO World Heritage site that creates one of the most spectacular backdrops in the tropics. However, visitors must understand the island's geography to maximize their time ashore.

Ships dock in Castries, located on the northwest coast, while the iconic Pitons, the drive-in volcano, and the therapeutic Sulphur Springs are located south in Soufrière. This presents a logistical reality: reaching the island's premier sights requires a commitment. The road to Soufrière is incredibly scenic but notoriously winding, taking over an hour each way. For those prone to motion sickness, or simply wanting to maximize sightseeing time, a water-based transfer or catamaran excursion is the superior choice. The reward is substantial: walking through botanical gardens, soaking in mineral-rich mud baths, and viewing the peaks from the water.

If a full day of travel feels too ambitious, the north offers excellent, accessible alternatives. Marigot Bay, a stunning natural harbor, is a short drive away and ideal for a relaxed lunch. Further north, Pigeon Island National Landmark is a standout, combining 18th-century British military ruins with approachable hiking trails and quiet beaches. Nearby Rodney Bay offers the island’s most popular stretch of sand, Reduit Beach. For a quick taste of local culture near the ship, the Castries Market remains a bustling hub for spices and local crafts, though it is best visited in the morning before the midday heat.

GoH, Dan Worden, influencers, St. Lucia, tropical scenic, scenery, POV from shore, foliage, mountain peaks, hills, bay, ocean, shore, seaside,

Bridgetown, Barbados

Barbados presents a polished and substantial Caribbean experience, anchored by its capital, a UNESCO World Heritage site. Historic Bridgetown and its Garrison offer a genuine sense of place, where British colonial architecture stands alongside vibrant Bajan life. The city core is compact enough to explore, with landmarks like the Parliament Buildings and the Careenage marina providing a backdrop that feels more like a historic town than a simple beach stop.

Barbados, tropical, nature, jungle, trees, tour, wildlife, monkeys,
wildlife reserve, green monkey tour;

Beyond the city, the island's offerings are diverse. For a unique natural wonder, Harrison's Cave offers a stunning underground tram tour through crystallized limestone caverns. For a taste of the island's most famous export, a visit to the Mount Gay Rum Distillery provides both a history lesson and a tasting. Of course, the beaches are world-class. Just a short taxi ride from the port, Carlisle Bay is a magnificent crescent of white sand with calm, turquoise water, perfect for swimming and snorkeling over several shipwrecks teeming with marine life. For a more serene scene, the west coast, known as the "Platinum Coast," is lined with idyllic stretches like Paynes Bay and Mullins Beach.

Barbados is not a rugged, off-the-beaten-path destination; it is well-developed and organized. Taxis are plentiful and regulated (though it's always wise to confirm the fare beforehand). This makes it an excellent port for independent exploration, offering a rewarding balance of accessible history, natural beauty, and sophisticated relaxation.

At Sea - Cruising

Philipsburg, St. Maarten

HM Eastern Caribbean Content Creators shoot, photographer Jason Lisiewski, St. Maarten, drone shot, POV from top straight down on two people paddling in red kayak along shoreline, two snorkelers, divers nearby, ocean, sunlight sparkling on aqua blue-green

St. Maarten offers a unique geopolitical curiosity: a 37-square-mile island divided between the Netherlands and France. While the cruise pier in Philipsburg (the Dutch side) is often crowded with multiple mega-ships, the island’s dual personality allows for a highly customizable day if you plan strategically.

Philipsburg itself is the commercial engine. Front Street is lined with duty-free jewelry and electronics stores; while convenient for shoppers, it can feel somewhat manufactured. For a more relaxed immediate option, the boardwalk along Great Bay offers decent beach bars and a view of the ships, though the water clarity here lags behind the rest of the island.

Philipsburg, St. Maarten, adventure, shore excursion, treetops adventure, SMC5 The Extreme. SM88 Loterie Farm Treetop Adventure Tour, rainforest, zipline, zip line, couple, forest, nature

To experience the island's true charm, cross the border to the French side (St. Martin). The atmosphere shifts perceptibly in the capital of Marigot, with its open-air markets and colonial architecture. For the sophisticated traveler, the village of Grand Case is the highlight. Known as the culinary capital of the Caribbean, it features exceptional French-Creole cuisine in open-air "lolos" (local barbecue stands) and high-end bistros alike.

Regarding beaches, you have distinct choices:

Maho Beach offers the famous, adrenaline-fueled spectacle of jumbo jets landing just overhead at Princess Juliana International Airport—it is noisy, crowded, and absolutely unique.
For a classic European beach day, head to Orient Bay on the French side for white sand and upscale beach clubs.

A critical note on logistics: Traffic on St. Maarten can be notoriously heavy, particularly in the late afternoon. If venturing to the French side, allow ample buffer time for the return trip to the Philipsburg cruise terminal.

Instameet, St. Maarten, riding, Horse, Woman on horseback, POV from behind, looking out on horizon, seascape, trails, outdoors, fun, adventure,

May 2017 Allure Instameet shoot, St. Maarten, kids, young girl, teen, and young boy jumping off boat into ocean, shore, beach, island in background, fun, action,

GoH, Dan Worden, influencers, St. Maarten, snorkeling, diver climbing out of water into catamaran, crew member waiting at top of stairs, one snorkeler still in water, fun, adventure,

GoH, Dan Worden, influencers, St. Maarten, underwater, diver with mask, sitting in wrecked helicopter, coral reef, diving,

Caribbean, CS shoot Dec 2015, adventure, fun, FlyBoard, St. Martin, Saint Maarten, Baie Nettlé, Flamboyant Le Village, water sports, experience, water jetpack, personal watercraft (PWC), daring, extreme sports,

A long stretch of white sand at Great Bay Beach in Philipsburg. Turquoise waters and beachfront hotels sit beneath rolling green hills, just a short walk from the St. Maarten cruise pier.

Questions? Call us at 800-525-9696.
We can assist you with all your travel arrangements. We'd be happy to help you plan your flights, hotels, or tours before and/or after your cruise conference.

PLEASE NOTE: To attend the conference, participants must book their cruise accommodations through University at Sea^®. This ensures we can provide full conference services and complimentary social amenities to meeting participants and guests. Participants' family and friends are welcome to book within our group allotment and take advantage of our typically excellent rates.

Request a Quote online or by voice at 800-525-9696 (US/Can) or direct/int'l tel +1-727-526-1571.

COMPETITIVE PRICING PROMISE: We Will Match Cruise Line's Promotional Rates.*

Prices below are for the full cruise including meals and evening entertainment

STATEROOM DETAILS

PRICING PER PERSON

Suites

Owner's Suite - 1 Bedroom (OS)
Marble entry with door bell. Queen-size bed, bathroom with tub. Separate living area with a queen-size sofa bed. Stateroom: 622 sq. ft. Balcony: 160 sq. ft.

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Grand Suite - 1 Bedroom (GS)
Marble entry. Room has two twin beds that convert to Royal King, private balcony, sitting area and private bathroom with tub. Stateroom: 432 sq. ft. Balcony: 89 sq. ft.

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Junior Suite with Balcony (J4)
Two twin beds that convert to Royal King, private balcony, sitting area (some with sofa bed) and private bathroom. Stateroom: 320 sq. ft. Balcony: 65 sq. ft.

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Additional Suites Staterooms

Suite/Deluxe Royal Suite with Balcony RS. Grand entrance with doorbell. Separate bedroom with king-size bed, and private bathroom with tub, private balcony with whirpool, living room with queen-size sofa bed and baby grand piano. Stateroom: 1633 sq. ft. and Balcony 257 sq. ft.

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Suite/Deluxe Villa Suite - 4 Bedrooms VS. Two master bedrooms with baths. Two additional bedrooms, each with two Pullman beds and two twin beds that convert to Royal King. Two additional bathrooms with showers and a spacious living area with a sofa bed and dining table. Private balcony with dining area, lounge chairs and whirpool. 1,302 sq. ft. Balcony 845 sq. ft.

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Suite/Deluxe Grand Suite - 2 Bedrooms GT. Two bedrooms with two twin beds that convert to Royal King (one room with third and fourth Pullman beds), a private balcony, two bathrooms and living area with double sofa bed. Stateroom: 616 sq. ft. Balcony: 208 sq. ft.

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Suite/Deluxe Junior Suite with Balcony J3. Two twin beds that convert to Royal King, private balcony, sitting area (some with sofa bed) and private bathroom. Stateroom: 320 sq. ft. Balcony: 65 sq. ft.

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Suite/Deluxe Oceanview Panoramic Suite (No Balcony) VP. Two twin beds that convert to Royal King. Curtained section with bunk beds. Living area with double sofa bed, vanity and sitting area. One and a half baths with shower. Floor to ceiling wrap around panoramic windows, 76 inches high by 321 inches wide. Stateroom: 406 sq. ft.

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Suite/Deluxe Suite Guarantee WS.

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Balcony

Additional Balcony Staterooms

Balcony Spacious Oceanview with Balcony 1B. Two twin beds that convert to Royal King, sitting area, private balcony and private bathroom. Stateroom: 214 sq. ft. Balcony: 42 sq. ft.

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Balcony Spacious Oceanview with Balcony 2B. Two twin beds that convert to Royal King, sitting area, private balcony and private bathroom. Stateroom: 214 sq. ft. Balcony: 42 sq. ft.

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Balcony Spacious Oceanview with Balcony 3B. Two twin beds that convert to Royal King, sitting area, private balcony and private bathroom. Stateroom: 214 sq. ft. Balcony: 42 sq. ft.

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Balcony Spacious Oceanview with Balcony 4B. Two twin beds that convert to Royal King, sitting area, private balcony and private bathroom. Stateroom: 214 sq. ft. Balcony: 42 sq. ft.

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Balcony Spacious Oceanview with Balcony 6B. Two twin beds that convert to Royal King, sitting area, private balcony and private bathroom. Stateroom: 214 sq. ft. Balcony: 42 sq. ft.

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Balcony Oceanview with Balcony 1D. Two twin beds that convert to Royal King, sitting area, private balcony and private bathroom. Stateroom: 188 sq. ft. Balcony: 46 sq. ft.

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Balcony Oceanview with Balcony 2D. Two twin beds that convert to Royal King, sitting area, private balcony and private bathroom. Stateroom: 188 sq. ft. Balcony: 46 sq. ft.

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Balcony Oceanview Balcony 4D. Two twin beds that convert to a Royal King Bed. Sitting area, private balcony and private bathroom. Breathtaking views to take in all the wonder and excitement of your destination. Imagine opening your balcony door to see a new and breathtaking part of the world each morning. A stateroom with a balcony is a great way to make your cruise adventure even more memorable and lets you truly take in all the wonder and excitement of your destination.

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Balcony Oceanview with Balcony 5D. Two twin beds that convert to Royal King, sitting area, private balcony and private bathroom. Stateroom: 188 sq. ft. Balcony: 46 sq. ft.

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Balcony Oceanview Balcony with Balcony 6D. Two twin beds that convert to Royal King, sitting area, private balcony and private bathroom. Stateroom: 189 sq. ft. Balcony: 46 sq. ft.

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Balcony Ocean View Balcony Guarantee XB.

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Balcony Ocean View Balcony Quad Guarantee XQ.

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Outside

Oceanview Stateroom (8N)
Two twin beds that convert to Royal King and private bathroom. Stateroom: 180 sq. ft.

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Additional Outside Staterooms

Outside Ultra Spacious Oceanview 1K. Two twin beds that convert to Royal King. Sofa converts to double, two Pullman beds, private bathroom and sitting area. Stateroom: 358 sq. ft.

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Outside Spacious Panoramic Oceanview - Accessible 1L. Two twin beds that convert to Royal King. Double sofa bed. Vanity with sitting area. Private bathroom with shower. Floor to ceiling wrap around panoramic window, 76 inches high by 253 inches wide. Stateroom: 283 sq. ft

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Outside Spacious Oceanview 1M. Two twin beds that convert to Royal King and private bathroom. Stateroom: 211 sq. ft.

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Outside Spacious Oceanview 4M. Two twin beds that convert to Royal King and private bathroom. Stateroom: 211 sq. ft.

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Outside Oceanview Stateroom 1N. Two twin beds that convert to Royal King and private bathroom. Stateroom: 180 sq. ft.

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Outside Oceanview Stateroom 2N. Two twin beds that convert to Royal King and private bathroom. Stateroom: 180 sq. ft.

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Outside Oceanview Stateroom 3N. Two twin beds that convert to Royal King and private bathroom. Stateroom: 180 sq. ft.

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Outside Oceanview Stateroom 4N. Spectacular sights and amazing views from the comfort of your stateroom. You'll never miss a moment of the breathtaking scenery on your cruise vacation with an Ocean View stateroom. Spend the day exploring the world, then come back onboard and take in the spectacular sights and amazing views from the comfort of your stateroom. Two twin beds that convert to Royal King.

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Outside Ocean View Guarantee YO.

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Outside Ocean View Quad Guarantee YQ.

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Inside

Interior Stateroom (4V)
Two twin beds that convert to Royal King and private bathroom. Stateroom: 256 sq. ft.

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Interior Stateroom (6V)
Two twin beds that convert to Royal King and private bathroom. Stateroom: 150 sq. ft.

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Additional Inside Staterooms

Inside Spacious Promenade View Interior 1Q. Two twin beds that convert to Royal King. Sofa converts to double, two Pullman beds, private bathroom and sitting area. Stateroom: 340 sq. ft.

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Inside Spacious Interior 1R. Two twin beds that convert to Royal King and private bathroom. Stateroom: 338 sq. ft.

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Inside Promenade View Interior 1T. A view of the Royal Promenade with bowed windows, two twin beds that convert to Royal King and private bathroom. Stateroom: 169 sq. ft.

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Inside Interior Stateroom 1V. Two twin beds that convert to Royal King and private bathroom. Stateroom: 150 sq. ft.

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Inside Interior Stateroom 2V. Two twin beds that convert to Royal King and private bathroom. Stateroom: 150 sq. ft.

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800-525-9696
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Inside Interior Stateroom 3V. Two twin beds that convert to Royal King and private bathroom. Stateroom: 150 sq. ft.

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800-525-9696
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Inside Interior Guarantee ZI.

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Inside Interior Quad Guarantee ZQ.

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Before & After Your Cruise

Hotels

The inside of one of the en-suite bathrooms at San Juan's DREAMCATCHER Hotel by DW.

The inside of one of the many beautifully designed suites at San Juan's DREAMCATCHER Hotel by DW.

The interior of one of the impeccably decorated suites at the DREAMCATCHER Hotel by DW.

The private balcony attached to one of the suites at the DREAMCATCHER Hotel by DW in San Juan.

Three tacos lovingly crafted by the kitchen staff at the DREAMCATCHER Hotel by DW in San Juan, Puerto Rico.

The DREAMCATCHER Hotel by DW's courtyard. The centerpiece of the space is a blue fountain.

The exterior of the DREAMCATCHER Hotel by DW. An image of a dove is painted on the wall of the building, to the left of some text that says "The Dreamcatcher".

DREAMCATCHER by DW

A Design-Forward Boutique Hotel

2009 Cll España, San Juan, 00911, Puerto Rico — San Juan

Nestled in Ocean Park’s charming beach neighborhood, DREAMCATCHER is a multi-award winning full-service boutique hotel just a block from the beach and ten minutes by car to historic Old San Juan. Each of the hotel’s 19 suites are unique and thoughtfully designed to be both relaxed and reenergizing. Guests also have the opportunity to delight in the dappled light of a plant-strewn private courtyard, go snorkeling off Escambron beach, unwind with an in-room massage, chase hidden waterfalls with a local guide, and end the day with yoga under the stars.

The fitness center inside the Hotel Rumbao, a Tribute Portfolio Hotel.

A common area with seating inside the Hotel Rumbao. The floors are covered in checkered tile and an interesting painting hangs on the wall.

The pool at the Hotel Rumbao in San Juan. The water and the sky are both lovely shades of blue.

One of the bars at the Hotel Rumbao, a Tribute Portfolio Hotel. A large image of a woman wearing sunglasses hangs on a wall at the back of the room.

Hotel Rumbao, a Tribute Portfolio Hotel

The Newly Upgraded Historic Heart of Old San Juan

100 Brumbaugh Street, San Juan, Puerto Rico, 00901 — San Juan

Previously known as the Sheraton Old San Juan Hotel, the Hotel Rumbao San Juan is situated in the heart of historic and romantic old San Juan. The property is ideally located on the waterfront, just a few moments from the docking point of grand cruise ships and just steps away from world-class shopping, dining and entertainment. A myriad of restaurants, art galleries, museums and upscale stores will suit any taste. Plus, the Hotel Rumbao is only six miles from the International Airport; so you can spend your time relaxing, not traveling. Guests here will enjoy a unique combination of modern comforts and old-world charms.

A guest bathroom in San Juan's Condado Vanderbilt Hotel. The walls are entirely marble.

A tile-covered section of the spa at the Condado Vanderbilt Hotel.

A massage room at the Condado Vanderbilt Hotel. It looks like it's been set up for a couples massage.

A restaurant inside the Condado Vanderbilt Hotel in San Juan, Puerto Rico. The interior design is decadent, featuring large wooden roundtables and plush booth seating.

Condado Vanderbilt Hotel

San Juan’s Premier Luxury Beachfront Resort

1055 Ashford Ave, San Juan, 00907, Puerto Rico — San Juan

A monument to classic Spanish Revival architecture, this historic landmark is widely regarded as one of the Caribbean's finest resorts. Since opening its doors in 1919, Condado Vanderbilt has been the destination of choice for generations of heads of state, captains of industry and Hollywood royalty – creating a rarefied atmosphere of sophistication, elegance and grace.

Protect Your Trip with Allianz Travel Insurance

Allianz Travel Insurance plans can give you flexibility and support when your trip doesn’t go quite as planned. From unexpected flight issues to covered trip cancellations, travel emergencies, and more, travel insurance can help you manage unforeseen events that may impact your trip—giving you peace of mind from the moment you book your trip through your return home.

For an instant quote:

Simply provide a few short details about your trip
Review the available protection plans
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Why Protect your Trip?

Whether you’re planning your next trip or you recently booked one, travel insurance can help smooth over many unexpected travel glitches—while putting your mind at ease, knowing you’re off the hook for covered expenses that could arise from them.

Allianz Travel Insurance plans can provide you benefits and professional support when a covered situation comes up before or during your trip. The following examples may qualify for benefits:

Cancelling your trip after unexpectedly becoming too sick to travel
Taking care of a sick or injured traveling companion
Having to end your trip early due to a family emergency
Dealing with a flight delay or cancellation
Needing to buy personal items if your luggage is lost or stolen
Missing your cruise departure after a covered flight delay

You also can contact our travel protection partner Allianz Global Assistance’s 24/7, award-winning customer service for on-the-go assistance with issues like a medical emergency, replacing your lost passport, or making reservations around the world. To be eligible for a time-sensitive waiver of pre-existing medical condition exclusions, purchase your travel insurance plan within 14 days of initial trip deposit (other purchase requirements and conditions apply). Specific plan benefits may vary. Please review your plan details for more information.

What Can Travel Insurance Help Protect?

Allianz Travel Insurance plans can protect you before and during your trip—keeping you, your loved ones, and your travel budget safer. Benefits vary by plan, and these are brief descriptions. Please read your plan documents for details.

TRIP CANCELLATION

Reimburses your prepaid, non-refundable travel expenses if you need to cancel your trip due to a covered reason, such as you, a family member, or traveling companion experiencing a covered illness or injury. Examples include:

A doctor says you or a traveling companion is too sick to fly
Your parent or child requires hospitalization
You need to attend the birth of a family member’s child
You have a traffic accident (not breakdown) on the way to the airport
A storm shuts down your airport for 24 hours or more

TRIP INTERRUPTION

Reimburses your unused, non-refundable travel expenses and increased transportation costs during your trip if you have to return home early due to a covered reason, for instance when a family member has a qualifying medical emergency and needs your care. Examples include:

You have a covered illness or injury and a doctor says you must return home
A family member has a qualifying injury and needs your care
A covered emergency, like a fire or flood, makes your home uninhabitable

TRAVEL DELAY

If you have a covered delay while traveling, travel insurance can reimburse you for meals, accommodations, and transportation expenses when your trip is delayed for a minimum number of consecutive hours for a covered reason. Minimum number of hours varies by plan.

EMERGENCY MEDICAL AND DENTAL CARE

Reimburses your expenses related to covered medical and dental emergencies* that might occur on your trip. This benefit can be especially helpful if you have a covered emergency outside the United States, as most health insurance policies won’t cover you outside the country. Examples include:

You slip and break your ankle while sightseeing
You get food poisoning while sampling the local cuisine
You lose a filling and need immediate dental treatment*

*A sublimit and maximum apply for this benefit. Check your plan documents for details.

EMERGENCY MEDICAL TRANSPORTATION

Arranges and pays for medically necessary transportation following a covered injury or illness to the nearest appropriate medical facility to receive care and get you home after treatment.

BAGGAGE LOSS, DAMAGE, or THEFT

Reimburses the replacement of your lost, damaged, or stolen luggage and personal items while traveling.

BAGGAGE DELAY

Reimburses essential items purchased during your trip if your baggage is delayed for a minimum number of hours (varies by plan).

CHANGE FEE

Reimburses fees if you need to change your flight itinerary due to a covered reason.

24-HOUR ASSISTANCE

Provides around-the-clock support during your trip. Allianz Global Assistance’s staff of multilingual problem solvers can help you with medical, legal, and travel-related emergencies whenever they happen. Medical assistance may include, but is not limited to:

Medical triage with referrals to local prescreened medical providers
Ongoing medical monitoring
Payment guarantee
Emergency medical transportation

Additional services for travel-related emergencies can help with:

Missed connecting flights
Lost/stolen travel documents
Pre-trip information
Prescription replacements

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Our Promise to You

When you purchase any Allianz Travel Insurance plan, you automatically get 15 days (or more, depending on your state of residence) to review your policy documents. Within that period, you can cancel your plan for a full refund if you’re not satisfied, as long as you haven’t filed a claim or departed on your trip.

Need Help Along the Way?

Contact Allianz Global Assistance’s award-winning team of travel experts. Call anytime for assistance navigating travel mishaps overseas or in the U.S.—or help with everything from reporting lost baggage to locating emergency medical treatment. They can also help you replace passports, refer you to legal assistance, secure cash from home in case of emergency, and guarantee payment when you need to be admitted to a hospital, in some instances.

Contact Allianz Global Assistance

Phone (24/7):
1-800-284-8300 (within the U.S., Canada, Puerto Rico, and the U.S. Virgin Islands)
1-804-281-5700 (outside of the U.S., call collect)

File or Track a Claim

It’s easy and convenient to file and track a claim, upload documents, and more online. Start your claim using your email address or policy number.

File a Claim

If you need help filing a claim or understanding the claims process, visit the Allianz Global Assistance Claims Center.

Update Your Plan

If you need to update your travel insurance plan, such as adjusting the dates of your plan to reflect itinerary changes, please contact us or manage your plan online so your plan reflects your entire itinerary and provides the right amount of protection for your travels.

Manage My Plan

About Allianz Global Assistance

Allianz Global Assistance is a world leader in travel insurance and assistance, helping millions of travelers across the globe every year. Allianz Global Assistance is owned by Allianz SE, the world’s largest diversified insurance company. For over 100 years, Allianz SE has helped protect important milestones in American history, insuring the Wright Brothers’ first flight and Golden Gate Bridge construction.

Terms, conditions, and exclusions apply including for pre-existing medical conditions. Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best’s 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or customerservice@allianzassistance.com.

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