30 Cruise Bill Surprises And How to Avoid Them This Year

Picture this: you're sipping a tropical cocktail on the deck of a luxurious cruise ship, watching the sunset over the open ocean. Everything seems perfect—until you check your final bill and realize you've spent far more than you expected. From sneaky service charges to unexpected fees for things you thought were included, cruise expenses can add up fast if you're not careful. That’s why we’ve expanded our list to 30 cruise bill surprises and how to avoid them this year, so you can sail stress-free without breaking the bank. Whether you're a first-time cruiser or a seasoned traveler, knowing what hidden costs to watch out for will help you stay within budget and enjoy your trip without any unwelcome financial shocks. From overpriced shore excursions to Wi-Fi that costs more than your entire phone plan, these are the top cruise expenses that can sneak up on you—and, more importantly, how to outsmart them. Follow our tips to keep your budget intact while still making the most of your cruise vacation. Let’s dive in!

1. Gratuities

Gratuities are often an unexpected cost for first-time cruisers, as many cruise lines automatically add them to your bill. These charges, designed to reward hardworking staff like waiters, housekeepers, and kitchen personnel, typically range from $12 to $20 per person per day. For a family or a long cruise, these fees can add up quickly. Some luxury lines include gratuities in their fare, while others leave it to the passengers to tip at their discretion. To avoid any surprises, thoroughly research the cruise line's tipping policy before booking your trip. Many allow you to prepay gratuities when purchasing your cruise, which can make budgeting easier. However, some travelers prefer tipping directly for exceptional service, so inquire whether the added gratuities are mandatory or adjustable. By planning ahead and including gratuities in your vacation budget, you can focus on enjoying the experience without worrying about an unexpected bill at the end.

2. Specialty Dining

Specialty dining options are a highlight for food lovers on cruises, offering premium meals prepared by world-class chefs in elegant settings. These dining experiences often feature steak, seafood, or international cuisines not available in the main dining areas. However, indulging in specialty dining comes at an extra cost, with prices ranging from $20 to $100 per person depending on the venue. For longer cruises, these expenses can quickly escalate. To manage your budget, consider enjoying these experiences sparingly. Research menus in advance to choose a night when the specialty offerings align with your culinary preferences. Many cruise lines offer discounts or package deals for multiple specialty dining reservations, so inquire about these options before your trip. Alternatively, stick to the complimentary dining venues, which often provide excellent food and service. Balancing specialty dining with included options ensures you can savor upscale meals without breaking the bank.

3. Drinks Packages

Drinks packages are a tempting option for cruisers, offering unlimited beverages for a flat fee, typically ranging from $50 to $80 per person per day. These packages often include alcoholic drinks, specialty coffees, bottled water, and sodas. While convenient, they may not be worth the cost for light drinkers or those who prefer water or basic soft drinks, which are often available for free. Before purchasing, calculate how much you’re likely to drink daily and compare it to the package price. Keep in mind that many cruise lines require all adults in the same cabin to purchase a package, which can further inflate costs. For occasional drinkers, paying per beverage might be more economical. Some cruise lines allow passengers to bring limited quantities of wine or soft drinks onboard, which can also help reduce costs. Carefully evaluate your drinking habits to determine if a drinks package is a luxury or an unnecessary expense.

4. Shore Excursions

Shore excursions are a fantastic way to explore your cruise destinations, offering activities like snorkeling, city tours, and cultural experiences. Booking excursions through the cruise line ensures convenience and coordination with your ship's schedule, but these tours often come at a premium, with prices ranging from $50 to $300 per person. To save money, consider booking independent tours through local operators, who often provide similar experiences at lower prices. Websites and travel forums can help you find reputable operators with good reviews. For those on a tighter budget, exploring ports on your own is a cost-effective and flexible option. Many destinations have walkable attractions or affordable public transportation, allowing you to experience the local culture without spending a fortune. Whether you opt for a guided tour or venture out independently, planning your shore excursions in advance can help you enjoy memorable experiences without exceeding your budget.

5. Internet Access

Staying connected while cruising can be a challenge, as internet access at sea is notoriously expensive and often slow. Cruise lines typically charge by the minute or offer packages starting at $10 per day for basic access, with premium options costing significantly more. For a longer trip, these costs can add up quickly. To save money, consider embracing the opportunity to disconnect and enjoy a digital detox. If staying connected is essential, look for discounted internet packages offered before sailing or during the first day of your cruise. Some cruise lines provide limited free Wi-Fi in certain areas, such as cafes or lounges. When you’re in port, seek out free Wi-Fi at local cafes, libraries, or public spaces to check emails and stay connected. By planning your connectivity needs wisely, you can minimize costs and make the most of your time at sea.

6. Spa and Fitness Classes

Cruise ship spas and fitness classes offer a luxurious escape, from relaxing massages to invigorating yoga sessions. However, these services often come with steep price tags. Spa treatments like facials or massages can cost upwards of $150, and fitness classes such as Pilates or spin often have additional fees ranging from $10 to $30 per session. To enjoy these amenities without overspending, take advantage of discounts offered during port days when demand is lower. Many ships also have complimentary fitness facilities with state-of-the-art equipment and group exercise sessions like sunrise stretches or Zumba classes. Consider limiting yourself to one or two indulgent spa treatments during your cruise. Some ships offer package deals or discounts for booking multiple services at once. By balancing paid services with free options, you can maintain your wellness routine and enjoy a touch of luxury without straining your budget.

7. Onboard Shopping

The onboard boutiques are filled with temptations, from duty-free jewelry and designer perfumes to cruise line-branded souvenirs. However, prices in these shops can be steep, and impulse purchases quickly add up. To avoid overspending, set a strict budget for shopping before your trip and stick to it. If you’re looking for unique keepsakes, consider shopping at local markets during shore excursions, where you’ll often find handcrafted items at more affordable prices. For luxury goods like watches or cosmetics, compare prices onboard to those at home to ensure you’re getting a good deal. Some cruise lines offer end-of-cruise sales or special promotions, so it might be worth waiting until the last few days of your trip to make purchases. By planning your shopping carefully, you can enjoy a few indulgences without exceeding your budget.

8. Casino Expenses

For many cruisers, the onboard casino offers an exciting way to pass the time. From slot machines to poker tables, the casino can be a source of entertainment—but also a significant drain on your wallet. It’s easy to lose track of spending in the excitement of the games, especially with the convenience of charging bets to your cabin account. To avoid overspending, set a strict gambling budget before entering the casino and stick to it. Consider using cash instead of your cruise card to limit how much you can wager. Many cruise lines also offer free lessons for games like blackjack or roulette, which can be a fun way to learn without financial risk. Remember, the odds are always in favor of the house, so treat gambling as a form of entertainment rather than a way to make money. With a bit of discipline, you can enjoy the thrill without financial regrets.

9. Medical Expenses

Onboard medical care is available 24/7, but it can come at a high cost, especially for uninsured travelers. Simple consultations can cost hundreds of dollars, and more complex treatments may be even pricier. To avoid unexpected expenses, invest in comprehensive travel insurance that covers onboard medical care, evacuation, and emergencies before you set sail. Bring essential medications and a basic first aid kit to minimize the need for medical visits. If you do need care, keep all receipts to submit to your insurance provider later. For non-emergency situations, consider seeking care at a port destination where costs may be lower. Planning ahead for medical needs ensures peace of mind and helps you avoid financial strain during your vacation.

10. Laundry Services

Laundry services on cruise ships can be unexpectedly expensive, with fees often charged per item for professional cleaning and pressing. These costs can add up quickly, especially on longer cruises where fresh clothing is essential. For those looking to save, some ships offer self-service laundry facilities equipped with washers, dryers, and irons. These facilities are usually more affordable, though they may require you to bring or purchase laundry detergent onboard. Another cost-effective option is to pack enough clothing for the entire trip, especially versatile pieces that can be reworn or mixed and matched. If space in your luggage is limited, consider hand-washing smaller items like socks, undergarments, and swimsuits in your cabin sink using travel-sized detergent. Hanging these items to dry on a portable clothesline or in the bathroom can help extend your wardrobe without incurring extra costs. Planning ahead and packing smart can ensure you avoid the high price of onboard laundry services.

11. Professional Photos

Cruise photographers are stationed throughout the ship to capture your special moments, from formal dinners to excursions. While these professional shots can be beautifully staged and high-quality, they often come with a hefty price tag—individual prints can cost $20 or more, and packages can run into hundreds of dollars. Before boarding, decide how much you're willing to spend on professional photos and stick to that budget. If you’re attending a formal night or special event, consider purchasing just one or two key photos as keepsakes. Alternatively, you can capture memories on your own using your smartphone or a digital camera, which allows you to save money while preserving candid moments. Some passengers also bring portable tripods or use timers to take group shots. By balancing professional photography with your personal efforts, you can return home with cherished memories without overspending.

12. Room Service

Room service on cruises has traditionally been a luxurious and complimentary perk, but in recent years, many cruise lines have introduced fees for this convenience. Charges may apply per order or include a delivery fee, particularly for late-night snacks or specialty items. To avoid unnecessary costs, check the room service policy before your trip. Some ships still offer complimentary room service for certain menu items, while others provide free delivery during specific hours. If you want to save, plan to enjoy meals in the dining room, buffet, or other included venues, where the variety and quality of food are often better. For late-night cravings, grab snacks from the buffet or any complimentary eateries before they close. Understanding the fine print and planning your meals wisely can help you enjoy the convenience of room service without stretching your budget unnecessarily.

13. Currency Conversion Fees

For cruises that visit multiple countries, currency conversion fees can quickly become a hidden expense. Credit card companies often charge foreign transaction fees of up to 3% for each purchase made in a different currency, which can add up over the course of your trip. To minimize these costs, use a credit card that offers no foreign transaction fees or consider exchanging currency in advance at your local bank, where rates are often more favorable. If you plan to withdraw cash abroad, be mindful of ATM fees, which can include both a withdrawal fee from your bank and an additional charge from the local ATM provider. Some ports have currency exchange kiosks, but their rates can be less competitive. Planning ahead and researching the best currency options can help you avoid unnecessary expenses while ensuring you have the funds needed to enjoy your time ashore.

14. Port Taxes and Fees

Port taxes and fees are often hidden costs that catch travelers by surprise, as they are not always included in the advertised cruise fare. These fees cover the cost of docking and port facilities and can vary widely depending on the destination, sometimes adding hundreds of dollars to your total bill. While some cruise lines include these charges in their upfront pricing, others list them separately as an additional expense. To avoid surprises, carefully read the fine print when booking your cruise and factor port fees into your overall budget. These fees are typically non-negotiable, but understanding them upfront allows you to better plan for your trip. If you're comparing cruise itineraries, consider the port taxes and fees for each option as part of your decision-making process. By being aware of these charges, you can avoid unpleasant surprises and enjoy your cruise with financial peace of mind.

15. Late-Night Snacks and Drinks

Late-night cravings can be tempting while cruising, especially after a long day of activities and entertainment. However, many cruise lines charge extra for late-night snacks and drinks, particularly at specialty cafes, room service, or bars. Items like desserts, sandwiches, and specialty cocktails can come with premium prices that quickly add up. To save money, plan ahead by grabbing snacks from the buffet or other complimentary dining venues before they close for the evening. Many ships also offer free 24-hour options, such as pizza stations or cafes, where you can satisfy your hunger without additional charges. If you enjoy evening drinks, consider purchasing a drinks package in advance or sticking to complimentary options like water, tea, and basic coffee. By planning your late-night indulgences wisely, you can enjoy your evenings onboard without racking up unexpected expenses.

16. Kids’ Clubs and Activities

Many cruise lines offer complimentary kids’ clubs and activities to keep younger passengers entertained, with age-specific programs that include games, crafts, and themed events. However, some premium options, such as babysitting services, late-night programs, or specialty activities like cooking classes and science experiments, often come with extra fees. These costs can add up, especially for families with multiple children. To manage expenses, check the cruise line’s kids’ club policies and fees before booking. Discuss the available activities with your children in advance and set expectations about which options will be included in your trip. Some cruise lines also offer discounts or package deals for specialty programs, so inquire about these when planning. By balancing free activities with a few paid experiences, you can ensure your kids have a memorable vacation while staying within your budget.

17. Specialty Shows and Experiences

Cruise ships are known for their entertainment, offering everything from Broadway-style productions to live music and comedy shows. While many of these performances are included in your fare, some premium experiences—such as immersive dinner shows, behind-the-scenes tours, or private meet-and-greets with performers—often come with additional fees. Prices for these specialty experiences can vary widely, and the cost can add up quickly if you’re traveling with a group. To avoid overspending, research the available entertainment options before your cruise and decide which experiences are worth the extra cost. Many ships also offer free alternatives, such as deck parties, movies under the stars, and live music performances, which can be just as enjoyable. By planning your schedule in advance and prioritizing the activities that interest you most, you can enjoy the best of onboard entertainment without exceeding your budget.

18. Transportation to and From Port

Transportation to and from your cruise port is an often-overlooked expense that can significantly impact your travel budget. Flights, hotel stays, and transfers can add hundreds—or even thousands—of dollars to your trip, depending on your departure city and port location. To save money, look for cruise packages that include transportation or book flights and hotels well in advance to secure the best rates. Consider using ride-sharing services, public transportation, or independent shuttle companies as cost-effective alternatives to cruise line transfers. If you’re traveling with a group, splitting the cost of a private car or van can be an economical and convenient option. Additionally, some ports offer park-and-cruise packages for travelers driving to the departure location. Planning your transportation details early and comparing options can help you reduce costs and ensure a smooth start and end to your vacation.

19. Onboard Activities and Classes

Cruises are packed with activities, from cooking lessons and wine tastings to art workshops and dance classes. While many options are included in your fare, some specialized classes or experiences come with additional fees, ranging from $20 to $100 per session. These premium activities can add a unique touch to your vacation but can also strain your budget if not planned carefully. Before your cruise, review the schedule of onboard activities and prioritize the ones that genuinely interest you. Many ships offer free alternatives, such as fitness classes, trivia games, and lectures, which can be just as engaging. If you’re set on participating in a paid activity, consider booking it early, as popular options can sell out quickly. By balancing free and premium experiences, you can enjoy a well-rounded itinerary that fits your interests and your budget.

20. Cruise Line Transfers

Cruise line transfers between the airport and the port are often marketed as a convenient option, but they tend to be more expensive than independent alternatives. Prices can range from $30 to $100 per person, depending on the distance and location. To save money, research other transportation options, such as ride-sharing services, taxis, or local shuttle companies, which often offer competitive rates. For families or groups, booking a private car or van can provide a more cost-effective and personalized experience. If your cruise port is near public transportation hubs, taking a bus or train can be an economical choice as well. Planning your transfers in advance ensures you can arrive at the port on time without paying a premium for convenience.

21. Tender Boat Fees at Certain Ports

Not all cruise ports allow the ship to dock directly at a pier. In some locations, you’ll need to take a smaller tender boat from the ship to shore, and some cruise lines charge a fee for priority access to these boats. If you don’t pay, you may have to wait in long lines to get ashore, which can eat into your valuable port time. How to Avoid It: Check your cruise itinerary to see if any of your stops require tendering, and research whether your cruise line charges extra for faster service. If you want priority access without the fee, book a shore excursion through the cruise line, as many of these tours include priority tendering.

22. Early Boarding Fees

Excited to start your vacation early? Some cruise lines now offer priority boarding or VIP embarkation packages for a fee. These can cost anywhere from $50 to $150 per person and allow early access to the ship, restaurants, pools, and sometimes even your stateroom. How to Avoid It: Unless you’re set on boarding first, skip this fee and arrive at the cruise terminal during off-peak boarding times (typically mid-to-late afternoon) to avoid long lines. Many cruise lines also offer early boarding as a perk for loyalty program members, so check if you qualify before paying extra.

23. Private Island Activities

Many cruise lines have privately owned islands, offering a slice of paradise with beautiful beaches and relaxing vibes. But once you arrive, you may find that the best activities—like cabana rentals, zip-lining, jet skiing, or snorkeling tours—come with hefty price tags. How to Avoid It: Research the island’s amenities in advance. Most have free beaches, walking trails, and BBQ lunches, so you can still have an amazing time without spending extra. If you’re set on a specific activity, book early, as some experiences (like cabanas) sell out fast, and prices may rise closer to your sail date.

24. Premium Coffee and Tea

You might assume coffee and tea are included in your cruise fare—and they are, but only basic options in the buffet and main dining rooms. If you want lattes, cappuccinos, or specialty teas from onboard cafes, expect to pay Starbucks-level prices for each drink, with some ships charging $5 to $8 per cup. How to Avoid It: If you’re a coffee lover, consider bringing your own instant coffee or tea bags to enjoy in your stateroom. Some ships also offer coffee cards or unlimited drink packages that include specialty coffee—so if you plan to indulge daily, crunch the numbers to see if a package saves you money.

25. Baggage Fees for Air-Cruise Packages

If you booked an airfare-and-cruise package through the cruise line, check whether baggage fees are included. Some cruise lines book basic economy flights, which may not include checked bags—meaning you could be hit with airline fees of $30 to $50 per bag each way. How to Avoid It: Always check your airfare details and the airline’s baggage policy. If luggage fees aren’t included, consider flying carry-on only or upgrading to a fare that includes checked bags. Booking your flights separately from the cruise can also give you more control over baggage costs.

26. Lost Cruise Cards and Replacement Fees

Your cruise card acts as your room key, onboard credit card, and ID for getting on and off the ship. If you lose it, some cruise lines charge a replacement fee of $5 to $25 per card. How to Avoid It: Use a waterproof lanyard or wristband to keep your card secure at all times. If your cruise offers a mobile app or wearable device as an alternative to the key card, opt for that to avoid the risk of losing it.

27. Room Upgrade Bidding

Many cruise lines now offer upgrade bidding programs, where you can place a bid for a better room—often without knowing whether you’ll actually get it. While this might seem like a fun gamble, if your bid is accepted, you’ll be charged automatically, even if you change your mind. How to Avoid It: If you’re not set on upgrading, don’t place a bid just for fun. Instead, check if last-minute deals are available once onboard—you may be able to upgrade for a fixed price, giving you more control over what you pay.

28. Last-Minute Drink Price Increases

Some cruise lines increase drink package prices right before sailing, meaning that waiting to buy a package onboard can cost significantly more. Additionally, drinks ordered in port or at private islands may not be included in your package. How to Avoid It: If you plan to buy a drink package, book it early—many cruise lines offer pre-cruise discounts. Also, read the fine print to ensure your package covers drinks at private islands or specialty bars, so you don’t get hit with surprise charges.

29. Hotel Service Charges on Pre- and Post-Cruise Stays

If you’re staying in a hotel before or after your cruise, be aware that some hotels near cruise ports charge resort fees, parking fees, or extra person charges that aren’t always included in the base price. How to Avoid It: Book hotels with transparent pricing and no resort fees, or use rewards points for a cost-free stay. If your hotel offers free cruise shuttle service, that can also help save on transportation costs.

30. Automatic Currency Exchange Fees on Foreign Cruises

If your cruise visits multiple countries, your purchases onboard may be charged in a different currency depending on where you’re sailing. If your bank or credit card automatically converts these charges, you might be paying an extra 2-3% per transaction. How to Avoid It: Use a credit card with no foreign transaction fees, or set your account to bill in USD whenever possible. If you need local currency for shopping in port, withdraw cash at a bank ATM instead of using onboard currency exchange services, which often have poor rates.

Cruising Smart: Mastering Hidden Costs

Cruising offers a unique and luxurious way to travel, but unexpected expenses can quickly add up if you’re not prepared. From gratuities and specialty dining to onboard activities and transportation, the hidden costs of cruising can surprise even the most seasoned travelers. By understanding these potential charges and planning ahead, you can enjoy a stress-free vacation without breaking your budget. Researching your cruise line’s policies, setting realistic spending limits, and taking advantage of complimentary options can go a long way in reducing unnecessary expenses. Remember, the key to a memorable cruise lies in balancing indulgence with smart budgeting. By staying informed and prioritizing what matters most to you, it’s possible to savor every moment—whether it’s dining on gourmet meals, exploring new destinations, or simply relaxing at sea. With careful planning, your cruise can be the perfect blend of adventure and relaxation, all while staying within your financial comfort zone.