The physicians on board are independent contractors and are entitled to render services at a customary fee which may vary from ship to ship based on the time of day. The basic fee does NOT include medication, tests or treatment.

No, seeing a doctor on a cruise ship is almost never free in 2026. In fact, it is often significantly more expensive than a land-based clinic because the medical center is considered a "specialized urgent care" facility. A basic consultation during regular hours typically starts between $100 and $200 USD, but this price can double for "after-hours" calls or if the doctor has to visit your cabin. All medications, X-rays, and lab tests are charged separately and added to your onboard account. While some ultra-luxury lines (like Regent Seven Seas) may include basic medical care in their "all-inclusive" fare, this is the exception, not the rule. Most importantly, standard land-based health insurance (including Medicare) usually does not cover care in international waters. Travelers in 2026 are strongly urged to buy Travel Insurance; you will have to pay the ship upfront, but you can file for reimbursement once you return home.