The Benefits Travel Insurance!

I bet you were reluctant to even read this blog today weren't you? I would have been too a year ago but boy have I changed my opinion. I think in general we hear the word insurance, or as they like to refer to it travel protection, and we all turn our noses up and think it's just a way for someone to get more money out of me. Guess what? You are exactly right...bet you didn't expect to hear that did you? I love, love, love to sell travel insurance because percentage wise it pays almost triple in commission versus the actual trip! Am I here today to tell you "travel protection" is a rip off? Nope, I am here to tell you that I believe in it so much that I purchased it for myself on our last trip(at full price). Also sold it to my parents, and if you happen to know my dad he is the tightest man in America. He squeaks when he walks he is so tight!
All right here is why you should always purchase the insurance. Price, it is cheap when you look at the benefits. I use a company named Access America and for their standard policy it runs from 5-5.5% of the total cost of your trip. What you get for this premium is far to extensive for me to sit here and go through so I will hit the highlights. The first thing it does is protect you if something comes up once final payment has been made and you must cancel the trip. There are stipulations on the standard policy so it has to be a valid reason such as sickness, death in the family, etc. They do offer a cancel for any reason policy for a little more that is self explanatory. Once your vacation actually starts is when the benefits really kick in. If you get delayed in any way on your way and miss your flight or ship, Access America will pay what ever the difference is to catch you back up with the vacation. Once on the vacation the most important feature and the part that really sold me is the medical coverage. The majority of our insurance companies here in the U.S. either do not cover you in a foreign country or if the do only a percentage. I have heard horror stories about people having to be put into the hospital in a foreign country only to be handed a huge bill before they leave and demand payment before their release. Access America will cover you in this situation. They have a 24hr hot line so you can call as soon as there is a problem and they will tell you the steps to take to get the claim paid. Also a huge benefit for all of those with family back home is that if there is an emergency back home while you are gone, i.e. death in the family, they will pay for your flight back home early. I can't imagine being in Mexico and getting a call from home with bad news and no way to get back. Now for my very favorite one! If something major was to happen to you medically and you had to be hospitalized outside the U.S. and you are not comfortable with the services you are receiving be it a language barrier, poor facilities, or anything else uncomfortable, they will pay to have you flown back to the U.S. via medi-vac! That is pending you are in stable enough condition to make the trip. That alone sold me. No one ever thinks it will happen to then but the simple truth is things do happen and it is worth every penny for me to know if something did happen that I would not have to be in a hospital, in a third world country for weeks, with a bill I couldn't pay, miserable.
I have to lay down a disclaimer now. There are coverage limits and restrictions, so before purchasing I will be more than happy to send all the details to you personally. Have a great day!

Jeremy

Saturday Morning Coffee 7/18/09

Good Saturday morning, I hope all of you had a good week at work or play. I know there has been a lot of people going on their summer vacations over the past few weeks and have enjoyed hearing about them. It doesn't seem like it but it is almost time for school to start back really soon, depending on where your kids attend. I am pretty sure Linds/Dothan city are only 2-3 weeks out. The bad news is I will be all alone all day again but the good news is business should pick back up. I am learning that just like in my previous business that when the kids are out of school my business drops and vice versa. Actually it makes perfect sense in the travel industry because you hope everyone is traveling while they have the chance, hence not thinking about their next trip until this one is over. Do keep in mind, however, just like the summer has flown by so will the school year so you need to get spring break on your minds. Since most only get a week for spring break I think the two most sensible choices are Disney World and a Caribbean cruise. Both rates are still not into peak season so both are better deals. As for Disney World the weather is still tolerable and the crowds not too bad. I was going to tell you all about our trip to Pigeon Forge, TN this morning but as usual got off on a tangent. Trying not to make my blog so long it gets boring I think I will stop here. Have a great rest of the weekend and like I begged in my previous post send me a line if you read, I would really appreciate it.
Jeremy

I Need a Blog Favor!

Good Wednesday morning to you all! I have a big favor to ask of everyone reading that I will ask at the end of this blog. First let me tell you why I am asking. If you have been reading my blog you have probably noticed that the number of blogs I am posting has progressively gotten to be less and less. Well there are a couple of reasons for this. I have been on Face Book way longer than blogger and as most of you know, on FB you post way less meaningful information ranging from what you had for supper to how you feel, yet you get instant gratification. People will give you the thumbs up or make a comment so you know people actually are reading what you post. On here, not so much! I can honestly say that I can count on less than two hands the people I know for sure read this blog...most of them are close family and friends. Combine the fact I type with my two fingers very slowly it really takes away my motivation to sit down for an hour and do it. Believe it or not I actually enjoy the blogging part of the equation I JUST HATE TO TYPE!
I have rambled on about all the above to let you know yesterday I had the second person contact me that I have never met, but has been reading my blog. A very nice lady that actually goes to church with me emailed me about an Alaskan trip next summer based off two blogs ago information. I did recognize her and her husband from our directory but to the best of my knowledge have never met them. This gave me renewed hope that people that are not close to me actually read the blog and motivated me to keep going, thank you Mrs. F.
Now for the favor part... if you read this blog please, please either comment on here or email me at jlee@cruiseplanners.com letting me know you are out there. I promise I will not contact you, except for a thank you. I just would really like to know how many of you that there are for my own personal motivation. All you have to do is say "I read" and I would love to know where you are from. You don't even have to give your name if you don't want too. Thank you in advance!
Jeremy

Norwegian Cruise Line

Good afternoon to all! I am just wrapping up another day here in the big city of Dothan and decided to continue with my series on the different cruise lines. Today we take a closer look at Norwegian Cruise Lines, also considered a first-class line. From this point forward I will just refer to them as NCL because my elementary brain is having an extremely hard time spelling Norwegian.
Freestyle Cruising, that's the theme and these guys do a great job to make sure this is what they live by. I love their commercials from a couple years ago where they have people who look like robots walking around a ship because they are told when and where to eat. I am very glad NCL did break that trend in cruising because I, for one, do not like to have to pick a time to eat and then be seated with complete strangers. On a NCL cruise they have the most encompassing dine as you wish program out there. You have the choice to call in for same day reservations at the dining venue of your choice or they have live monitors all over the ship with the restaurants listed and their capacities/wait time. That way you can choose when you are ready to eat, where you want to eat. Even if you choose a restaurant with a wait all you have to do is get on the list, they give you a pager, when your table is ready you are paged. Freestyle Cruising does include other free choice things from entertainment, dinner in your cabin, and others but the dining is what put them on the map as a "different" cruise line. This, in my opinion, has forced most all other cruise lines to change their dining policies and slowly but surely they are making the transition. People truly do not want a schedule on a vacation.
NCL also has the only ship, Pride of America, that doest a 7-day Hawaiian cruise that starts and ends in Hawaii! This cuts out a lot of sea days you will spend if you leave from the west coast to Hawaii due to sheer distance. I did learn an interesting fact about Pride of America recently on the travel channel. It is the only U.S. flagged cruise ship sailing right now. I do not know the laws but where you flag the ship is by whose laws the ship is operated under. NCL was really trying to cash in on America's patriotism and hit a home run with this ship...well it back fired. With the minimum wage laws and the fact they couldn't put a casino on-board they almost went under. I don't think anyone is going to flag another ship in the U.S.
NCL's cabins are smaller than the industry average but they make up for that in other areas. They do a really good job with entertainment. They have themed parties like the Monte Carlo party in the casino and a "white hot" party complete with smoke and all white costumes. NCL's newest ship, the Epic is due out in June of 2010 and looks really nice. It will be based in Miami year round and even has an ice bar!! Yes, real ice and you are issued a faux fur coat at the door. I can't get my mind around how this will work but I bet it will be really cool :). One more unique feature is there will only be interior and balcony cabins...NO ocean views. This baby is balconies from the first floor to the top and I like it.
I haven't been on a NCL cruise but I sure do want to. Those of us located here in the Southeast have a great opportunity to avoid the dreaded flight to a cruise each winter because NCL has a ship in New Orleans for a couple months. One more tid bit of good news is that NCL is very competitive with Carnival in pricing, which at the end of the day we all know price does matter!
Jeremy

Saturday Morning Coffee 6/27/09

Good morning everyone. My Saturday started a little earlier than usual for me today for some reason. Maybe because Jaylee, my 5 year old niece, stayed with us last night and slept with her aunt Lindsey in our bed. The other bed in our house is actually the one I grew up with but I must have been a lot tougher back then because it makes my back hurt now. Boy, getting old stinks. Any way we have had a good time playing, making pizza, and lemonade.
Instead of talking about the 3rd cruise line in my little mini-series, Norwegian, I am going to put that off until one day next week. I want to spend today talking about what types of trips you will need to be thinking about now to get the best deals and availability as we head into late summer all the way through next spring. As with every thing I have dealt with so far in the travel business, the earlier you plan the better! I have this question presented to me on an almost weekly basis, "If I wait until right before I travel will I get a better deal?" My answer is always possibly, but I sure wouldn't risk it. Here is the short version, if there are any great last minute deals it is normally within 3 weeks of the travel date. 90% of the people I know have jobs and families, thus ruling out short notice vacations. My goal in life is to be young enough, free enough, and financially stable enough to be that kind of retiree one day. This doesn't even take into consideration that a lot of the most popular forms of travel sell-out. As far as the pricing goes during normal booking periods, it is always cheaper to book early. If possible up to a year in advance will net you the best deals. It is simple economics. Lets just use cruising for an example. The cruise lines look at their capacity 12 months before any sail date and see they have only booked 5% of the cabins on board. Well it only makes sense to put out to the public a rock bottom cruise rate, hoping to attract groups and buzz about the fare in general. It works, and now 8 months from sail date they have 60% of the cabins booked...guess what? Yep now the rates are creeping up, up, and up, all the way until the last couple weeks when they realize there are only 10 cabins left at which they put on that fire-sale that the rich retiree's, mentioned above, gobble up. I have seen this first hand with a large group I have cruising in Jan. 2010. I first held the space in Feb. and rates have gone up three times since then for a total of about $100 per person! Enough of the economics here are some things to think about going forward:

Fall Idea: New England foliage tour! We have several tour companies that have these tours. Most of them start in Boston and are from 7-9 days long. The best time to see the best color is from late Sept thru mid-Oct. Most go into Vermont, New Hampshire, and Maine.

Winter Idea: Snow skiing! Anywhere in the Rockies will do. Maybe Utah, Colorado, or Wyoming. The best season is Jan. thru March.

Spring Idea: Since a large majority of you have children and have to work around spring break Disney World is a great choice for our area! Usually in March the weather isn't unbearable yet and the crowds are smaller. One tip, try to avoid the week of Easter, it is one of Disney's busiest weeks of the year.

Summer Idea: Alaskan Cruise!! This is one of my must do before I die trips. I have never heard one bad word from anyone who has taken an Alaskan cruise. The season runs from late May thru early September and the best accommodations sell out quick. If this is a trip you want to take summer of 2010 you seriously need to call me now!

In closing, I will say due to 95% our geographic location the Caribbean and all its forms of travel are open year round. This is a good thing because winter rates are cheaper at resorts and cruise lines. Since we are situated so close to most every cruise port we can really take advantage of some great deals that normally begin after Labor Day weekend and run through mid-May.

Saturday Morning Coffee 6/20/09

Good morning, as most of you already know it had been a wild week here in Dothan for the Lee's. Not to tell this story for the 1000th time I will just say we had to put all 4 of our cats down due to a fight with a rabid raccoon. The good news is that Linds nor me got bitten/scratched in the whole ordeal so we have that to be thankful for. If there any readers out there not living in our area let me tell you that this has been the hottest week I can ever remember this early in the summer. For the last 3-4 days we have hit triple digits with an even higher heat index. I literally walked over to my neighbor's house and back yesterday and had wet my t-shirt when I got back in. It reminds me of a sauna and we are not going to have any relief for a couple more days!
Today we will carry on with our cruise market-segmentation from our last post. I would like to tell you about Royal Caribbean Cruise Lines. RC is also considered a first-class cruise line and, in my opinion, along with Carnival the most popular cruise lines out there. Let me preface all the following information by saying that I am Royal Caribbean "cruise-expert" based on tons and tons of online training and reading, however I have never been on a RC ship at all. I do think that I have talked to enough customers, trained, and booked plenty RC cruises to have a firm grip on what they have to offer.
Like Carnival, RC is a very up-beat ship with lots to do on-board. Their slogan is "the nation of why not?". RC is the only cruise line that has both an ice skating rink and a surfing simulator on board some of their ships! They also have a rock climbing wall on all their ships. They use these features heavily in their advertisements asking "why not" ice skate in the middle of the Caribbean? They also, in addition to tons of other eating venues on-board, have a Johnny Rocket's 50's style diner on every ship. One key difference between RC and Carnival is the decorations on-board RC's ships. You may remember I told you in the previous post that Carnival's decorating was very gaudy, almost over bearing in my opinion. That is not the case with RC. RC ships have a more subtle approach that appeals to me much more, but maybe not the kids as much. The closest RC port to the Wiregrass area is Tampa or Pt Canaveral, FL. They also have medium to extremely large ships in their fleet. This November the Oasis will make her maiden voyage coming in at 230,000 tons!! That is 100,000 tons larger than Carnival's newest ship. I can't even get my brain around how huge this thing will be. The cruise we went on in March was a 55,000 ton ship.
The staterooms are about average size as compared to other first class cruise lines, comfortable but not lots of extra space unless you book a suite. The activities and entertainment are top notch and there is plenty to do all day and night. I have people who have never cruised say they would be bored on sea days and my response is only if you choose to be. RC has an extensive kid program that caters to all children up to 18 years old so parents can enjoy a little alone time on sea days. I always like to ask my customers which cruise line they prefer between RC and Carnival and 95% always choose RC. I know one thing for sure, if I ever get the money set aside for it I will definitely be taking a Royal Caribbean cruise.
Jeremy

Saturday Morning Coffee 6/6/9

Good morning to everyone today. Boy, 5:15 A.M. has come entirely too early today. I participated in a charity poker tournament last night in Hartford, my home town. I didn't win, or even get close for that matter, but I did have a great time with some people I haven't seen or been around in a long time. I didn't get in this morning until about 12AM only because I wisely chose to leave them going strong. The reason I had to get up so early is because Linds and I are helping with the Poplar Head Farmer's Market downtown today. Our church, First Baptist, and the Downtown Group and joined together to start this event and it will go on every Saturday in June and July. I really hope everything goes really well for the participating farmers. There are also going to be some arts and crafts there but since they are calling it a "farmers market" I hope that is predominatly the theme. I guess I have, and always will, a soft spot in my heart for farmers since that is what my dad did until I was 18 years old.

What I would like to start today and then continue for the next several post is a more detailed description of each of the most popular cruise lines as a follow up on the market-segmentation blog from a few weeks back. I will start in the "first-class" segment of cruise lines. These are the most recognizable, affordable cruises offered today. Carnival Cruise Lines is a name I am sure all of you recognize. Baring any specials or promotions I have found them to also be the least expensive cruise line. They are retiring their ship currently in Mobile, the Holiday, this year which will put their smallest ship afloat at around 70k tons. That means all of their ships are mid-sized or larger. The trend now in the first-class segment with their new ships is bigger is better! Carnival's newest ship, the Dream (due out in November this year), is going to be 130,000 tons! Also a good piece of information is she will be docked in Port Canaveral so we will have easy access from the Wiregrass area.

Carnival's theme is "fun for all, all for fun"! That is a very true statment. I have not actually been on a Carnival cruise but I have toured a ship. It is very festive from the time you step onto the ship until the time you get off. The decorations, atmosphere, and overall mood of the ship is always upbeat. If you are looking for a quiet, laid back, relaxing vacation Carnival is not for you. However, if you enjoy a lively good time or have children it may be the perfect match. Carnival really goes all out to make sure the kids have a blast. Like most cruise lines they have activities all day every day just for kids. They also have them divided up by age group and the activities are always age-appropriate.

Carnival's cabins are actually a bit larger than the industry's average and very comfortable. Everyone loves the food and entertainment onboard. I have clients from 21-83 for whom I have booked a Carnival cruise and they love it! I have a huge group going on a high school reunion cruise next Janurary and most of them are older than 65, been on Carnival before, and can't wait to get back on. I could go on and on but due to the fact we have to leave in 20 minutes to head downtown I will stop here. I hope I have shed some light on Carnival for those of you who have not cruised with them. For those of you who have but it has been a long time or on one of their older, smaller ships I highly recommend considering giving them another try...they are doing some really exciting new things these days.
Thank you,
Jeremy