Introduction

Cruise fares can look surprisingly affordable at first glance — especially when compared to land-based holidays. Accommodation, meals, entertainment and transport between destinations are all bundled into one price.

But the headline fare rarely reflects your total spend.

That doesn’t mean cruises are misleading or poor value. It simply means there are optional extras and onboard charges that aren’t included in the base price. Understanding those in advance allows you to budget calmly — and avoid surprises once you’re onboard.

Let’s break it down clearly.

What’s Usually Included in a Cruise Fare

Before we talk about extra costs, it’s important to recognise what your cruise fare typically covers:

• Your cabin accommodation

• Meals in main dining rooms and buffet venues

• Basic drinks (water, tea, coffee, some juices)

• Entertainment (shows, live music, activities)

• Pools, hot tubs and gym access

• Kids’ clubs (on family-focused lines)

For many travellers, that’s more than enough for an excellent holiday.

Now let’s look at the areas where extra costs can arise.

The Most Common Hidden Cruise Costs

Gratuities / Service Charges

Most cruise lines charge a daily service fee per person. This typically ranges from £12–£20 per person, per day depending on the cruise line and cabin category.

Some lines include gratuities in the fare. Others add them to your onboard account automatically.

It’s predictable — but it does increase your total holiday cost if you haven’t factored it in.

Drinks Packages and Specialty Beverages

Standard drinks such as water, tea and basic coffee are included. However, the following are usually extra:

• Alcoholic drinks

• Specialty coffees

• Bottled water

• Soda

• Fresh juices

Drinks packages can cost anywhere from £40–£80 per person per day.

Not everyone needs one. For light or occasional drinkers, paying per drink can be significantly cheaper.

Shore Excursions

Excursions are often the largest variable cost.

Cruise line tours can range from:

• £40–£60 for walking tours

• £80–£150 for full-day experiences

• £200+ for premium or small-group excursions

Exploring independently can reduce costs, depending on the destination and your comfort level.

This is usually where realistic budgeting matters most.

Specialty Dining

Main dining venues and buffets are included in your fare.

Specialty restaurants — such as steakhouses, sushi venues or chef’s table experiences — usually carry an additional charge.

Expect:

• £20–£60 per person

• More for tasting menus or premium dining

These experiences are entirely optional but can add up quickly if booked multiple times.

WiFi

WiFi is rarely included on mainstream cruise lines.

Packages typically cost:

• £15–£30 per day for basic browsing

• More for streaming-level access

If staying connected is important to you, this is worth budgeting for in advance.

Spa, Fitness and Onboard Extras

Temptations onboard may include:

• Spa treatments

• Thermal suite passes

• Salon services

• Premium fitness classes

These are luxury add-ons rather than essentials — but they can quietly increase your onboard account total.

Photography Packages

Professional photographers capture moments throughout your cruise.

Digital or print packages can range from £150–£300 or more.

Many travellers don’t plan for this expense — and then feel pressured near the end of the sailing.

Optional vs Essential: What You Can Skip

Here’s the reassuring part.

You can enjoy a cruise fully without:

• A drinks package

• Specialty dining

• Paid excursions

• Spa treatments

• Photography packages

A cruise can still be exceptional using only what’s included in your fare.

The key is choosing intentionally rather than reacting impulsively onboard.

Example: 7-Night Cruise Budget Breakdown (Couple)

Every cruise line structures pricing slightly differently. The example below is purely illustrative and designed to show how additional costs can accumulate — your actual total will depend on the cruise line, itinerary and your personal choices.

How to Avoid Overspending on a Cruise

1. Research gratuities before booking
2. Decide in advance whether you truly need a drinks package
3. Pre-plan which excursions matter most
4. Review prices in your cruise planner before sailing
5. Monitor your onboard account daily

Clarity removes stress — and helps you stay in control.

Final Thoughts

Cruises aren’t “full of hidden costs.” They’re structured differently from land holidays.

Once you understand what’s included and what’s optional, you can budget realistically and make decisions that suit your travel style.

Plan ahead, choose intentionally, and you’ll enjoy your cruise without second-guessing every charge.

Frequently Asked Questions About Onboard Spending