• The final cost of a cruise vacation depends on a wide array of factors, including cruise line, itinerary, season, cabin choice, duration, and additional expenses.

• Hidden costs like flights, excursions, and onboard expenses should be factored into your overall budget.

• Booking strategically (early, last-minute, or in the off-season) with the right insurance plan can yield significant savings.

Cruise are well known for being a relaxing vacation option, but they also have a reputation for being a bit pricey. But is that entirely true?

The truth is the final price tag can vary greatly depending on a few key factors. Let's explore what they are and how you can leverage this knowledge to avail a cruise that's both luxurious and affordable.
 

The Base Fare – Your Cruise Ticket

Now the base cruise fare is the very foundation upon which your total cruise cost is built. It's the advertised price that typically covers the essentials for your time onboard.

Let's get into the specifics of what it includes and the factors that influence its value.

Accommodation

The type of accommodation you choose will be included in the base fare of your cruise line. This generally includes your bed(s), bathroom facilities, and closet space. The specific amenities within your room (balcony, window, size) will vary depending on the cabin category you choose.

Meals

You'll also have access to multiple meals daily, with most lines offering a set dining schedule with open-seating options in the main dining rooms. Buffets are often available for breakfast and lunch, while some lines might include specialty restaurants in the base fare (though this is less common).

Entertainment

Many onboard activities and entertainment options are usually included, such as live music, stage shows, poolside games, access to fitness centers and more.
 

What Pushes the Price Tag of a Cruise Trip?

We know there are many options to explore while planning the cruise trip, but your final choices can make all the difference. Here’s how.

1. The Cruise Line you chose

Luxury cruise lines offer a more premium experience with upgraded amenities, personalized service, and higher-end dining options. This is reflected in a significantly higher base fare compared to budget lines that cater to a value-conscious clientele.

For example, Carnival and MSC can be lively and budget-friendly get-togethers. But on the other hand, Seabourn and Regent Seven Seas offer an upscale experience at $500 to $1000 per night.

2. Your Destinations and Itinerary Length

The Caribbean generally offers the most budget-friendly options, while remote destinations like Antarctica come with a steeper price tag due to their exclusivity. So, consider your budget and dream destinations when choosing your itinerary.

But while longer cruises naturally cost more overall, they can be a surprisingly good value. Here's why: the cost per night often decreases significantly with longer itineraries.

3. The Time of the Year

Summer and holidays are peak seasons, leading to higher prices. Consider spring or fall (shoulder seasons) to enjoy pleasant weather, smaller crowds, and often, significant savings. But there might be other preferences, like traveling during winter for winter sports or enjoying the festive decorations of some locations.

4. Cruise Cabin Options and Their Costs

The first step is getting a room for yourself on the ship. But the view and amenities offered by your cabin significantly impact the base fare. Here’s how the amenities generally scale with respect to price across different cabin types.

However, before you pick it, remember that cruise lines sometimes use different names for the same cabin types (like "veranda" instead of balcony). So check the descriptions carefully.

Also read: Cruise Packing List - What to Bring on a Cruise if you are planning to extend your trip.
 

Hidden Costs Beyond the Base Fare and How to Avoid Them

Even after factoring in the basic cruise fare, there are some additional costs that you might have to incur onboard and on-shore. Let’s discuss the possible expenses that can add up to your cruise vacation cost and if they are avoidable.

For starters, if your cruise departs from a distant port, you have to add in the flight costs as well. You may consider alternative embarkation ports closer to home if possible.

If you opt for pre-packaged tours , you might have to pay extra for guides. The alternative is to do a little research and explore the local area all by yourself to trim the cost.

Similarly, buffets are usually included in the cruise fare, but if you opt for a special dining facility with a la carte menus, that’s certainly an upgrade for an additional charge.

Also be aware of what your drink package actually includes. Cocktails, fancy coffees, and even bringing your own bottles of wine onboard can quickly add to your tab.

Another possible hidden cost is the tipping fees . Many cruise lines automatically add a daily gratuity charge to your onboard account. You can sometimes adjust this amount based on your service experience.

Don’t forget about the room service charge that can add up if you call in for late night snacks. Lastly, the additional wifi charges. You must choose as per your usage needs because connectivity at sea is expensive.
 

Also, Consider Your Cruise Insurance Cost

Your cruise trip insurance is another cost addition, but a valuable one.

The cost of your cruise insurance will directly depend on the plans and coverages you chose. To start off, you must focus on some basics, like how many people are traveling or if you are traveling solo. Insurance costs typically increase per person.

Similarly, take into account your cruise length, your medical history, etc. Then, you must figure out the types of coverages that you must have in your plan. These could be coverage for medical expenses, trip cancellation or delay, and baggage loss among others.

For maximum protection, you may go for Cancel for Any Reason (CFAR) coverage (only available in AXA’s Platinum Plan), allowing you to recoup up to 75% of the trip cost.

Next, compare different AXA Travel Protection Plans that offer the coverages you need, and the limits in each plan. Broader coverage generally costs more.

Once you understand these factors, you must request a quote for cruise insurance or if you still have any queries, consider consulting AXA’s travel insurance specialist .

Money-Saving Secrets

So far, we have talked about how much a cruise costs, but how about we try saving some money as well? Here are some tips:

• Book early (Or last minute): Book in advance for the right choice of cabins or avail last-minute deals if you're flexible.
• Cruise during off-seasons: Avoid peak seasons (summer, holidays) and opt for shoulder seasons (spring, fall) for lower prices and fewer crowds.
• Take advantage of promotions: Sign up for cruise line emails and check travel deal sites regularly – discounts and onboard credits are out there!
• Be flexible: If you're open to different dates, destinations, or cabin types, you could score amazing deals.
• Look for discounts: If you are a senior, from the military, or a repeat cruiser, you might be eligible for some special discounts.
   

FAQs
 

1. What's the ballpark cost of a cruise?

The price of a cruise depends on the duration and a lot of other factors like your cabin type. A short cruise for a few nights can start around $100-$200 per person. Similarly, a weekly cruise can go up to $1000.

2. What are some hidden costs to consider?

Be sure to factor in airfare, if needed, shore excursions, specialty dining, drinks, gratuities, and Wi-Fi charges.

3. How much does cruise insurance cost?

Your cruise’s insurance cost depends on the type of plan and coverage level you want. Get a quote from AXA Travel Insurance.

4. I'm interested in a specific cruise line or destination. Could I get details about them?

Absolutely! Here is a list of the best cruise lines for families . Read the details and get an idea about what each of these can offer.

5. What's the right time to cruise for a deal?

Shoulder seasons (spring and fall) often have lower prices than peak summer or holiday cruises. Longer cruises can also offer a better price per night.

6. What's the difference between the cabin types?

Inside cabins are the cheapest option, with no windows. Oceanview adds windows, while balconies offer a private outdoor space. Suites are the most luxurious and priciest.

7. How much should I budget for gratuities?

Most cruise lines directly add a daily gratuity charge to your bill. This can vary but expect around $10-$15 per person per day.

8. Are gratuities mandatory?

Gratuities are often prepaid or automatically added to your bill. While not technically mandatory, they are a way to show appreciation for the service staff who work hard throughout your cruise.

9. How much should I spend on drinks?

This depends on your drinking habits. Individual drinks can be expensive, so consider a drink package if you plan to have several drinks a day.

10. Are shore excursions expensive?

Prices vary depending on the activity and time. Research options beforehand and consider budgeting for excursions you prioritize.

11. How much does a 1-week cruise cost?

Popular routes in the Caribbean or Mediterranean tend to be more expensive than less-traveled destinations. Luxury lines will naturally cost more than budget-friendly lines. However, mainstream lines offer a variety of price points.

Speak with one of our licensed representatives or our 24/7 multilingual insurance advisors to find the coverage you need for your next trip. Get an instant quote