648 Financial tips and laws for today and tomorrow

Here are the best tips on how to plan your finances for a cruise vacation as a retiree.

Tip 1: Plan ahead and budget

• Travel in shoulder seasons to get cheaper fares (some begin from $100/day) and avoid crowds.
• Look for flash sales and last-minute offers by cruise lines or travel agents.

Tip 2: Use loyalty benefits and discounts

• Seek senior or long-term passenger discounts; longer or back-to-back cruises reduce rates by 30–50%.
• Enroll in cruise loyalty programs for extras such as free upgrades, Wi-Fi or priority boarding.

Tip 3: Structure expenses around health

• Purchase travel medical insurance. Medicare does not cover care abroad.
• Bring required medications and ensure the ship accommodates your medical or accessibility requirements.

Tip 4: Keep shore and onboard spending down

• Establish a daily spending limit on excursions and extras.
• Take local tours or visit on your own rather than cruise-organized tours.