Former Cruise Crew Members Share 8 Essential Money-Saving Trip Hacks

Cruising can be an incredible way to see the world, but hidden costs can quickly add up, turning your dream vacation into a budget-busting surprise. Fortunately, cruise ship crew members know the ins and outs of the industry and have plenty of insider secrets to help you travel on a budget without missing out on the fun.

We've scoured the internet for first-hand accounts and talked to former cruise ship workers. From packing hacks to onboard deals, these expert-approved tricks will help you cut costs and make the most of your cruise experience.

Before setting sail, take a moment to check if your cruise fare has dropped. According to former cruise ship employee Zlatko Simovski, also known as Reddit user CruiseLover188, "Sometimes, the cruise lines offer last-minute deals, trying to fill up the ship. If the contract you signed with them includes price protection, ask for the fare difference to be refunded."

Many cruise lines offer price adjustments if the fare drops before your departure, but you have to request it. A quick check could mean getting onboard credit, an upgrade, or even a partial refund.

While no one likes to think about things going wrong on vacation, unexpected events can quickly turn a dream cruise into a financial nightmare. Simovski advises travelers to always book travel insurance.

"Being optimistic about your upcoming cruise is fantastic," he says. "Still, we are living creatures, and things could go wrong sometimes - from lost bags to visiting a private hospital in some of the ports or being evacuated while at sea."

Medical emergencies, trip cancellations, or lost luggage can lead to hefty out-of-pocket expenses. A small investment in travel insurance can save you thousands and give you peace of mind.

Cruise ship WiFi can be expensive and often unreliable, making it a poor investment for budget-conscious travelers. Michelle Endo, travel writer at Wander Eat Write and former Royal Caribbean crew member, suggests skipping the onboard WiFi if it's not included in your fare.

"Days at sea are a great opportunity to disconnect, and it's usually just a day or two until you're in port again where you can get internet access," she says.

Instead of overpaying, follow her pro tip: "Ask crew members where they go to get free WiFi in each port." Many cafes, libraries, and even shopping centers offer complimentary internet that you can use.

Sunburns are common on cruises, but buying sunscreen or aloe on board can burn a hole in your wallet. Endo advises packing these essentials before you set sail.

"If you're going anywhere tropical, you will need these and they're more expensive to buy on the ship," she says. "Either bring them with you onboard or wait to purchase them in a port."

Cruise ship gift shops often mark up basic necessities, so planning ahead can save you money and keep you comfortable during your trip.

Cruise drink packages can seem like a good deal, but they're not always worth the price. Endo suggests crunching the numbers before committing.

"While the cost of individual drinks might seem high, it might still be cheaper than the drink package if you're only getting a couple of drinks a day," she says.

Many cruise lines allow you to bring limited amounts of alcohol or non-alcoholic beverages onboard, and some offer free drinks at events like captain's receptions. If you're not drinking all day, skipping the package could save you hundreds.

Staying hydrated on a cruise shouldn't come with a hefty price tag. Alissa Musto, a full-time traveling musician with over a decade of cruise experience, advises people to bring a reusable bottle.

"Bottled water is very expensive onboard, and drinking the water from your stateroom sink is not advised. Bring a reusable water bottle that you can fill up both onboard and in port," she says.

Most ships have filtered water stations, and many ports offer free refills. This can help you avoid overpriced bottled water.

Cruise-line excursions offer convenience but often come with inflated prices. Musto suggests looking for alternatives.

"Unless you are cutting it very close with time (the ship's excursions come with a guarantee that the ship will not leave without you), you will almost always be able to book the same or very similar shore excursion on your own for a fraction of the price," she says. "Check out Viator, Airbnb Experience, and local tour providers."

By booking independently, you can save money, support local businesses, and enjoy smaller, more personalized experiences.

Getting off the ship and finding a ride can be more expensive than you think if you don't plan ahead. Musto advises booking your transfer in advance.

"Have your transfer from the ship already booked for when you disembark and don't assume you will be able to catch a taxi or Uber," she advises. "Because of the demand, prices will be at an extremely high surge. If people are in a hurry to get to the airport and don't make prior arrangements, drivers know they have no other choice and can jack up the price."

By securing a shuttle, private car, or even a shared ride service before you arrive, you'll avoid surge pricing and ensure a smooth transition to your next destination.

Hidden costs can add up fast when cruising around the world. By using these insider tips from crew members, you can avoid unnecessary expenses and make the most of your trip without breaking the bank.

Another way to save? Many of the best travel credit cards offer perks like travel insurance, airport lounge access, and cash back on purchases, including cruises. Also, consider sailing during the shoulder season (just before or after peak months) for lower fares and fewer crowds while still enjoying great weather.