5 Best Cruise Insurance Plans in April 2024

Table Of Content

• Best for cancel for any reason coverage
• What Does Cruise Insurance Cover?
• Trip Interruption Coverage
• Where to find a cruise travel insurance policy
• Age of Traveler

Travel insurance typically covers cruises and other types of travel, whereas cruise insurance is designed to specifically protect you while cruising or getting to your cruise. No coverage for pre-existing conditions that fall within 90 days of your policy's start date. No coverage for pre-existing conditions that fall within 60 days of your policy's start date. Buying right after you book also lets you lock in trip cancellation coverage right away.

Best for cancel for any reason coverage

Trip cancellation insurance reimburses you 100% for the pre-paid and non-refundable deposits you lose if you have to cancel for a reason covered by the policy. Additionally, the Travel Guard Preferred plan includes benefits if (under certain conditions) you must start your trip earlier than planned—a feature not found in all policies. Our analysis has found that WorldTrips, Nationwide and TravelSafe Insurance are the best cruise insurance companies. After our analysis, we've determined these are some of the best cruise insurance options available. Cruise insurance isn’t much different than traditional travel insurance.

What Does Cruise Insurance Cover?

The Atlas Journey Premier policy provides excellent missed connection coverage and medical evacuation benefits. Available upgrades include “cancel for any reason,” “interruption for any reason” and extra coverage for pets traveling with you, adventure sports, destination weddings, hunting and fishing equipment, and more. Some insurance companies provide additional coverage for those participating in extreme sports or other high-risk activities on their vacation. This type of policy can apply to scuba diving, rock climbing or even wind surfing. If the ship sails without you because your flight to Miami was delayed, travel delay benefits can help you catch up. If you break your leg and have to cancel your trip, the cruise line won't reimburse you—but travel insurance can.

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Trip Interruption Coverage

Any good travel insurance plan with generous medical benefits and the other benefits you want can work well for a cruise. For example, you could make a “cancel for any reason” claim if you’re worried about being seasick—a reason not covered by standard trip cancellation insurance. Buy this coverage shortly after you make your first trip deposit or the purchase window for it will close.

Trip Insurance Companies

Our editors are committed to bringing you unbiased ratings and information. We use data-driven methodologies to evaluate insurance companies, so all companies are measured equally. You can read more about our editorial guidelines and the methodology for the ratings below. For our test trip, Allianz Global Assistance’s basic plan cost $106, slightly below average. Here’s a closer look at our five recommendations for cruise insurance and what makes them unique.

For example, an extra $10 gets you upgraded medical expense and emergency evacuation coverage. Spend another $30 and you can add 50 percent Cancel for Any Reason coverage. Car rental collision coverage is available for just over $13 per day and the option to name someone outside your family as a family member for coverage purposes is under $5.

Where to find a cruise travel insurance policy

TravelSafe's Classic Plan is the best value all-around for the average cruiser, with superior coverage limits at a fair rate. AIG's Travel Guard Preferred plan comes with a wide range of coverages and a variety of useful add-ons for an extra fee such as pet coverage, wedding coverage and cancel for any reason coverage (CFAR). U.S. health plans may have very limited or no coverage when you’re outside the U.S. And Medicare doesn’t cover medical care outside the U.S., with only very narrow exceptions. The Travel Basic plan from Travelex Insurance Services cost $116 for our sample trip; just below the average for plans listed here. For example, if any injury or health issue is alcohol-related, it may not be covered.

More on our top cruise insurance plans

For our test trip, World Nomad’s basic plan cost $63, well below average. But the actual trip cost isn’t taken into consideration for trip cancellation and interruption coverage. You're on the way to the airport when your taxi breaks down, and you end up missing your flight. Or you're on the first leg of flights to the cruise port, and a mechanical delay means you'll miss your connecting flight -- and your ship. Travel insurance covers these sorts of trip delays and missed connections.

Age of Traveler

If the next port of call is too far away, a medevac may be the only option to save your life or the life of a loved one. You make it to the Port of Miami on time, but the airline misdirected your luggage to Cleveland. Your formal attire -- and all your other clothes and accessories -- will literally miss the boat. If your bag is delayed a certain number of hours (policies vary), your policy will reimburse you for "necessary personal effects" such as a new outfit and toiletries to tide you over until your bag is delivered. Every cruise line offers some kind of protection plan to it passengers.

When it comes to buying travel insurance, don't worry if you've paid for your cruise but haven't yet purchased your airline tickets. You can estimate the airfare cost when buying your travel insurance and then give your provider your exact travel itinerary once those tickets are booked. Likewise, if you're arranging your plane tickets first, buy your travel insurance within two weeks of that purchase, and enter your full cruise fare, even if you have not purchased it or have only paid the deposit.

Just make sure you check the details of your policy before you file a claim, and before you travel so you know what compensation you're entitled to. But each plan offers cruise-specific coverages like ship-based mechanical breakdowns, coverage for missed prepaid excursions if your cruise itinerary changes, and covered service disruptions aboard the cruise ship. Preexisting medical conditions are covered by this policy, though you must purchase your policy within 14 days of your trip deposit. In addition, look for coverage if you get sick and need to isolate away from home.

During existing outbreaks, you should research policy choices carefully before purchasing, as some will still provide medical coverage for travelers who become ill with the disease in question, while others will not. Say it's Jim's father, not Jim, who gets sick, forcing Jim to cancel his cruise. That's because her policy protects her if something happens to her travel companion and he's forced to cancel -- but not if he cancels because something happened to a member of his family not traveling. However, if they both had travel insurance, Jim could be reimbursed for canceling his cruise because his father's illness is covered, and Sue would also be reimbursed because her travel companion canceled for a covered reason. Seven Corners also offers the option of a preexisting conditions waiver and CFAR insurance at an additional cost, plus "Trip Interruption for Any Reason" coverage, which you won't find on many policies.

Top Cruise Travel Insurance of 2024: Sail Securely With Top Coverage Tips

Table Of Content

• Age of Traveler
• Travel Guard by AIG
• What Is Cruise Insurance?
• Lost or delayed baggage

Nationwide’s Cruise Luxury plan provides an array of extensive benefits at a decent price, including superior missed connection coverage and emergency and non-medical evacuation benefits. This means if you have your heart set on visiting a particular place, but it gets cut from the itinerary (a common occurrence due to weather conditions), you would receive some form of compensation. Not all plans include this, and for certain trips with a popular port (like visiting Alexandria, Egypt, to drive to the Pyramids), it may be wise to check if you are covered. Always comparison shop, looking at what amounts of coverage you get for what price. "We always recommend travel insurance, as it covers trip interruption, which is important, as well as medical coverage for the hospital and treatment costs," he said.

Age of Traveler

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Also, financial default may not be a covered event in a cruise line-sold policy, but it's typically covered with plans from third-party travel insurance companies. But perhaps most importantly, many travel insurance policies will cover medical expenses you incur while on a cruise. Some will even cover the cost of evacuating from a foreign destination if you are in the midst of a medical crisis.

Travel Guard by AIG

Insurance pricing is dependent on the trip cost and the age of the insured travelers. Sandberg estimates that "travelers in their 30s or 40s can ballpark insurance coverage somewhere around 5% to 7% of the trip costs, with rates that can get lower depending on the extent of coverage." You'll want to be reimbursed if an unexpected event forces you to cancel your cruise.

What Is Cruise Insurance?

In all of these situations, you might benefit from having cruise travel insurance — keyword "might." Some companies also offer annual plans, and we compare policies accordingly. Medical coverage ensures that if you fall ill or get injured, your medical expenses won't sink your finances. If you're wondering where the best place is to purchase third-party insurance, "No one comparison site is getting preferential deals," says Stan Sandberg, co-founder of TravelInsurance.com.

This service could come in handy if you're stopping at a variety of unfamiliar destinations during your cruise. You won't have the option to purchase a cancel-for-any-reason add-on or opt in for a collision damage waiver on this lowest-tier plan. The CFAR coverage is available as an upgrade on Travel Guard's Preferred and Deluxe plans.

Hurricane coverage

CFAR allows you to recoup 50% or 75% of your forfeited, nonrefundable trip costs, depending on your policy. AXA’s Platinum plan hits all the high points for coverage that you’ll want if you’re looking for top-notch protection, including non-medical evacuation coverage and baggage insurance. A Berkshire Hathaway WaveCare cruise-specific plan was $202, quite a bit more than average, but with the most medical evacuation coverage.

Lost or delayed baggage

Cruise insurance isn't for every traveler — or even for every sailing. However, it can bring a lot of peace of mind if you're about to head out to sea. In fact, 13% of "billing reasons" for claims to Allianz are for common carrier delays (such as a flight delay), while weather and natural disaster-related claims account for about 3%. Additionally, Original Medicare only covers people traveling outside U.S. borders in limited circumstances. It's a good idea to compare plans and make sure the one you buy has the elements that are most important to you.

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Those with travel insurance could have flown directly from New Orleans to their home airport in most cases. While cruise ships have medical facilities, they're usually not equipped to treat serious illnesses. If you experience a serious medical problem on a vessel, you may have to get off the ship in a foreign port to seek treatment at a hospital. In such a case, if you don't have medical evacuation insurance, you may then find yourself stranded in that port awaiting a medical evacuation.

For the luxury cruise traveler: John Hancock's Gold Plan

Cruise insurance can be any travel insurance policy that has the coverage features you want. It does not have to be a travel insurance policy with “cruise” in the policy name. It’s helpful to have missed connection coverage included in a cruise insurance policy, as the cost of catching up to a cruise can be significant. Cruise-line insurance usually offers secondary coverage (see below) and is more limited than similarly priced coverage you can buy on your own. (For example, cruise-line coverage generally doesn't cover its own financial default.) Third-party travel insurance companies offer more inclusive policies that provide more protection, and these are often the best bet. Many cruise companies will only offer a travel voucher or credit for future use in the event of a covered cancellation, not an outright refund.

That's a wide range, we know, but it reflects the wide range of products out there. "Many plans now offer benefits that will specifically appeal to cruise travelers, such as missed connection, missed port-of-call and cruise disablement coverage," Stan Sandberg, cofounder of TravelInsurance.com, said. For instance, standard travel insurers generally will not reimburse you for the cost of a cruise you cancel due to worries about an outbreak of an illness. Centers for Disease Control and Prevention issues a recommendation that you don't cruise due to an illness outbreak, as it did during the COVID-19 pandemic. Some policies will also cover out-of-pocket costs related to a flight delay or cancellation that results in you missing your cruise departure (for instance, the cost of catching up to the ship at its next port). Expenses related to baggage delays and loss are often covered as well.

If you want to buy a policy beyond what is already offered by your credit card, start with an aggregator site like Insure My Trip that compares several policies based on the criteria you choose. All of these things can affect the price of a policy that you purchase. There are many providers of travel insurance, and often, cruise companies will recommend a partner when making a reservation. Those are often best since the cruise line has a history of working with that company and has considered the intricacies of the various ports its ships are visiting.

Not all policies offer pre-existing coverage, but among those that do, each insurer dictates its own coverage window. The deadline is usually 10 to 15 days after making that final payment -- or after booking your airfare, if you do that first. As the phrase suggests, you can cancel your trip for any reason (such as concern over traveling to a particular area due to political unrest or disease outbreaks) -- a luxury normal insurance policies won't allow. Most insurers require this policy add-on be purchased between 14 and 21 days following your final cruise payment. Say your ship develops a serious mechanical problem, which necessitates the cancelling of the entire voyage and you're forced to disembark at the next port of call.

Otherwise, if you head into a doctor's office overseas, have any tests completed, or visit an urgent care center or emergency room, you might not be covered. Even if the cruise line does provide a full or partial refund or cruise credit for an itinerary change or some other interruption, travelers could have to swallow the cost of other travel elements not purchased through the line. That could include nonrefundable flights, prepaid resort or hotel nights, nonrefundable tour fees and more. Most cruise insurance includes coverage for missing a departure port, so you should be able to claim for a missed port.

How Much Does a Cruise Cost? Total Cost

Table Of Content

• If the cruise fare drops, can I get the lower price?
• Entertainment and attractions
• How Much Does a Caribbean Cruise Cost?
• Should You Use a Travel Agent to Book Your Cruise?

However, it is possible to get cheap kids’ prices, by either choosing a cruise line that doesn’t charge full price for children or by looking out for special offers and booking at the right time. The average cost of a cruise is $179 (£141) per person, per day. These extras add up quickly, so know what’s most important to your experience.

If the cruise fare drops, can I get the lower price?

Depending on your cruise line or loyalty status, sparkling wine might be included at embarkation, at art auctions and/or during certain special events like a cocktail party with the captain. The short answer is yes, but this varies by line -- and by country. Family-friendly cruise lines will occasionally offer discounted or kids-go-free fares.

Entertainment and attractions

As well, suites have higher gratuity rates compared to lower-tier cabins. So while you might pay $16 per day for a normal cabin, that amount might be $18 per day (or more) if staying in a suite. Gratuities (~$16-20 per day)Yes, you can adjust the amount of gratuities if your service is particularly poor. In fact, onboard spending is the area where you have the most control over what you’ll spend.

How Much Does a Caribbean Cruise Cost?

Think that the cost of a cruise is simply the fare that you pay to get on the ship? While that makes up the lion’s share of your spending, there’s a lot more that goes into the cost of your vacation. We get into all the details of how much a cruise costs — and exactly where you’ll spend money — below. Cruise lines are no longer consistent in how they package or price Wi-Fi. Some lines offer packages for the entire voyages, while others sell packages that come with preset time or data limits. The latter (and sometimes the former) can be chewed up by modern sites like Facebook or apps that refresh in the background.

You may see many promotions during the year as the cruise gets closer, but the best price was almost always when it was first available to be booked. If you’re not traveling from close by, you may also need to budget for a pre-cruise hotel stay if you fly in the day before or stay overnight after your cruise is over. The average cost of a one-night stay in a hotel near a major cruise port is around $150-$200. So, if you’re traveling from far away, be sure to budget for at least one pre-cruise night in a hotel. In addition, you may also need to budget for transportation to and from the airport. The average cost of a taxi from the airport to the cruise port is around $50-$60.

Credit cards

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As well, remember that what you spend will vary widely based on any number of factors, including your own budgeting for the trip and how much you let loose on your vacation. Don’t forget to factor in the cost of transportation to get to and from the cruise ship. That means tracking down the specific cost of a cruise for each person is difficult. But we can give you an idea of what a typical trip will cost based on averages and help you know better what you can plan to spend.

The cost of a Disney cruise covers your onboard dining and most nonalcoholic drinks, an abundance of entertainment for kids and adults, onboard activities and transportation between cruise ports. Even most entertainment and food on Disney's private island Castaway Cay (and upcoming private island destination Lookout Cay at Lighthouse Point) is part of the fare. Another great thing about cruising is the opportunity to sample different cuisines worldwide. Most cruise ships offer a variety of specialty dining options, from sushi bars to Italian trattorias. These dining experiences can be expensive, however, so it’s important to budget for them accordingly. In addition to the cost of the cruise itself, you’ll also need to budget for drinks while onboard.

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Meals at specialty restaurants are unfortunately not included with cruise tickets. Cruise lines sell shore excursions -- guided tours and experiences in the various ports of call -- but they do inflate prices above what the actual tour operators charge. There are some things you may want to do or experience on your cruise -- but they may cost you extra.

Luxury cruises

If you want drinks other than at meals or that include call liquors, you can purchase a package for $25 per person, per night for the wider selection available at any bar at any time they are open. Extra fees and taxes are part of your final cruise fare, but they usually aren't included in the first price shown when you are cruise shopping. The more ports your cruise visits and the longer it stays in port, the more you will be charged. If you want to let loose and have fun, it will add hundreds (and maybe thousands) to your cruise fare.

Kids clubs also are mostly free, but nursery time for babies and toddlers, and late-night group babysitting often carry extra fees. ParkingIf you are driving from the port, then you don’t have to worry about paying for a ride to the ship. Parking at the port is the most convenient option, but also the most expensive. Look for independent parking lots with cheaper prices, or if staying at a hotel near the port, look for one that lets you park for free during your cruise in return for one night’s stay. Lines that include some alcoholic drinks in the cruise fare usually offer a package to upgrade to premium drinks, which may have a broader choice of drinks or venues where they are available. An example of that is on Viking cruises, where the fare includes house beer, wine and sodas during lunch and dinner.

Unfortunately, there isn’t any way that you can avoid these fees; they are added in with your cruise fare that you pay. Cruzely.com reports that the average cost of cruise fare runs from about $150-$245 per person, per day (depending on cruise company). However, the cost of a specific cruise will vary depending on factors such as the cruise line, specific ship, date of cruise, cabin type, and trip length. Disney Cruise Line is known for its rotational dining evening dinner service. Families rotate through three onboard restaurants throughout the sailing, and your service team moves with you.

And if a port gets skipped because of bad weather you may notice a credit placed on your account as this fee did not have to be paid. Still looking for more to answer “how much does a cruise cost? ” Here are our three top frequently asked questions to help you learn more.

Cruise lines also break down how much cruise passengers spend in their financial reports. On average across cruise lines, the amount comes out to between $ per person, per day. The amount varies depending on your specific route as different ports charge different fees. In our experience, for most cruises expect to spend between $100 and $200 per person on these fees and taxes.

You might also spend money on extra-fee gelato, ice cream sundaes, fancy snacks or baked goods at onboard coffee shops. The chart below lays out the costs of taking a cruise, using the estimated amounts mentioned above. We’ve also laid out the estimates for both a shorter cruise (five days) and the traditional seven-day trip. Gratuities may be slightly higher or lower depending on the cruise line.

For example, You may be able to drive to Port Canaveral in FL or for Caribbean cruises. The best way to book a cruise is through a professional travel agent specializing in cruise travel. Travel agents are familiar with the different cruise lines and can help you choose the one that’s right for you. They can also often get you discounts and perks you wouldn’t be able to get on your own. The type of cruise you choose should be based on your budget and what you’re looking for in a vacation. If you’re looking for a family-friendly vacation with plenty of activities, a standard cruise is the best option.

Runners can participate in the Castaway Cay 5K and get a finisher medal. On most Bahamas and Caribbean sailings, you'll stop at Disney's private island, Castaway Cay. At the island, your family can enjoy the family beach or adult-exclusive beach (for those 18 and older). Each kids club has dedicated counselors and a host of activities every day. The best way to see the list of activities is to download the Disney Cruise Line Navigator app and scroll through the daily agenda. You can flag activities your kids want to attend, so you can get to the kids clubs before they start.

How Much is a Caribbean Cruise?

Table Of Content

• How Much Does a Caribbean Cruise Cost?
• Room Service on Cruise Ships
• Answered: What’s the Cheapest Time to Take a Cruise?
• Disney Treasure
• Costs that add up while on the cruise ship

I'm a happy tea drinker, so I don't spend extra on specialty coffees or sodas. Celebrity allows you to bring two bottles of wine onboard per cabin. We drank those in our cabin to avoid the corkage fee (you can ask your cabin attendant for a bottle opener and two glasses). Celebrity offers free drinks in the casino while gambling, so my extra drink cost was zero. An additional beverage cost to keep in mind is corkage fees for bottles of wine you bring onboard (within the cruise line's limits). On most ships, the fee is only charged if you take the bottle to the dining room or a bar to be opened and served there.

How Much Does a Caribbean Cruise Cost?

This means you can spend as much or as little as you would like, but chances are you will want to budget for some things like beverages, WiFi, or excursions. This money doesn’t go to the cruise line, but it will be part of what you pay in order to get your ticket. Any cruise deals below $120/day or even $100/day is considered a great buy. You can even find rates cheaper from time to time, but that’s a good base line for budget travelers. This article will explain everything you need to know about the cost of a cruise vacation, including some “hidden” items.

Room Service on Cruise Ships

Additionally, bar tabs are automatically charged a 15 to 20 percent gratuity; some lines also add on a 15 to 20 percent gratuity to spa services. When the maitre d' performs a special service, such as arranging for a birthday cake to be brought to the table, he should be tipped as well. Laundry and dry-cleaning charges on a cruise can be steep (approximately $3 to $7 to wash and press a shirt, for instance).

Answered: What’s the Cheapest Time to Take a Cruise?

Now, she helps over 1 million people per month to plan their perfect cruise holidays. The price of a cruise for a family of four depends very much on what discounts are available for children. The price for a family could be double the price for a couple, or it could be very little extra. This article looks at the cost of various cruises and what you actually get for your money.

How much does a Disney cruise really cost?

Transportation to the PortYou can’t start your trip without getting to the ship first. Transportation amounts vary depending on where you are coming from and which port you are sailing from. Assuming you are arriving at an airport, you’ll obviously spend the greatest amount to get to cruise ports farther away. Ports like Galveston and Port Canaveral are located far from the nearest airports and you can expect to spend between $40-60 each way for the cheapest options. Ports like Tampa, Port Everglades, and Miami are just a short ride away and you can get to the port for about $10 per person.

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What about all-inclusive cruise lines?

This often leads to guests being surprised at the total cost of the cruise when they get the final bill. This is why it’s nice to receive an onboard credit when booking the cruise to help offset some of these unforeseen extras once onboard. For example, a Western Caribbean cruise may have fewer ports and lower port fees overall compared to an Eastern Caribbean cruise. Some popular ports may also charge a higher fee than a less popular port. Each of these things may come into consideration when comparing cruise vacation prices. Many cruise lines offer discounts for early bookings and often offer cruises a year or more in advance.

What’s not included in the cruise price?

Carnival Cruise Line's rollercoaster, Norwegian Cruise Line's go-karts and Royal Caribbean's iFly skydiving experience are examples of extra-fee activities. In most cases, unless there is a special at the time you book your cruise, you will pay extra for having any number of guests in a cabin other than two. Third and fourth guests (or more if you book a large suite) pay a fare that is lower than the fare for the first two guests. Some lines run specials offering free or $99 third- and fourth-person fares from time to time. All cruise lines provide basics like transportation, accommodation, food at select restaurants for all meals, and a selection of entertainment and activities in the fare. Port fees and taxes aren’t technically part of your cruise fare, but they are included in what you pay before you board.

Alcoholic drinks and soft drinks can be expensive on a cruise ship, and many mainstream cruise lines charge a premium for drinks served in certain venues or specialty restaurants. Many passengers don’t look at the prices before ordering so having a drink package can be helpful. Most lines offer drink packages that cover alcoholic beverages up to a set amount per drink. Package prices can vary dramatically, depending on the itinerary and sailing dates. Expect to pay around $100 per person per day for a full cruise package, including tips.

NCL charges the corkage fee at embarkation, regardless of where you plan to consume the wine. Nonalcoholic drinks like drip coffee, hot and iced tea, some sort of punch, juice, lemonade, milk (at mealtimes) and tap water will be included no matter which cruise line you choose. Most cruise lines give you the opportunity to pay crew tips at the time of booking. If you choose not to pay in advance, the auto-gratuity will be added daily to your onboard bill.

As you can see, there is no set cost on what you can pay to cruise. Want to cruise for cheap and only spend a few hundred per person? Want to go all out, stay in the nicest cabins on the newest ships? Here, the price jumps considerably with a new ship, higher-tier cabin, and sailing in the peak of the summer season. For that more luxurious experience, you end up paying about $425 per person, per day. While the cost of your cruise will vary widely based on the ship, time of year, and the cabin you choose, there are also some more costs that you should keep in mind.

These are generally automatically added to your cruise account. Many of the top entertainment offerings -- Broadway productions, onboard surfing and watersliding, live music and comedy acts -- are free (though reservations might be required). If you do want an organized tour, you can book directly with a tour operator or through third-party shore excursion sellers; you might save a few dollars that way. Look for Free Local Festivals for Entertainment OnshoreLocal festivals and craft displays can be sources of good, free entertainment. Parks, beaches and art galleries are other free or nominally-charged attractions to check out. Or perhaps you prefer to simply wander through town, browsing in shops and stopping for a coffee or snack.

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You also won’t find the droves of thousands onboard these ships, instead, expect to share your traveling home with between 500 and 1,500 guests. This means more room for spacious cabins, public areas designed for easy-going mingling, and decor with a more elegant or conservative touch. Cruise prices can vary widely but before getting into the nitty-gritty of what you can expect to pay, here’s a general guide to get you started. The bottom line, though, is that in most cases, your total cruise vacation will cost considerably more than the cruise fare alone. The thing that jumps out at me is that the total cost is almost twice the cruise fare.

They can simplify booking while finding you hidden perks, upgrades, and savings you may miss booking alone. Additionally, each ship offers beverage-tasting seminars where you can learn how to make and taste a variety of cocktails in a given category. On the four other Disney Cruise Line ships, Palo is also $50 for prix-fixe and offers an a la carte menu. Use of towels, beach chairs and shade umbrellas are complimentary, as are waterslides and splash zones. Live music and character appearances take place around the island. Kids and teen club activities are available on Castaway Cay — again, at no extra charge.

With the accounting rules used by the cruise lines, sometimes money spent before you get on the ship is actually classified as “onboard and other” spending. Factors that go into the price include the type of cabin you choose, length of cruise, when you sail, and even the ship and cruise line you sail. What it doesn’t include are the extras like alcoholic drinks, specialty restaurants, shore excursions, gambling and other things bought on board. Some lines, like Norwegian, are starting to move toward a la carte prices in their alternative venues. Specialty dessert venues, dinner theater, pizza delivery and even pub grub could cost extra. Keep these extras in mind while cruising so you’ll end up with an average cruise cost.

Averages across the major cruise lines for balcony cabins fall between $100 and $150 per night most of the year. Suites and rooms on upscale or luxury cruise lines cost considerably more, but you get more for your money. While it's A-okay to stick to what's included with your cruise fare, the truth is that most cruisers add on a few extras. That can include shore excursions, dinners at specialty restaurants that aren't built into your fare, spa treatments, cocktails and soda, Wi-Fi and more. Cruise tickets generally include accommodation, meals, some drinks and entertainment.

A Carnival cruise costs from $129 (£98) for a 2-night Bahamas cruise in an Inside Stateroom to $4,019 (£3,079) for a 15-night cruise in a Suite. The price of drinks on a cruise varies quite a lot, depending on the cruise line. Marella and P&O Cruises are priced with flights included on the cruise line websites. Some cruises come with special offers, such as free onboard spend, which aren’t included in this table.

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