It helps to think of it this way: Your cruise fare is mostly all-inclusive — your stateroom, dining in a variety of locations, onboard entertainment and access to pools, hot tubs and other amenities and activities are typically included on a cruise.

A standard cruise fare is surprisingly comprehensive, but it usually follows a "base-plus" model. Included in your initial price is your stateroom accommodation, daily housekeeping, and most of your meals at the main dining room and the casual buffet. You also get access to a wide variety of onboard entertainment, such as Broadway-style theater shows, live music, comedy acts, and poolside movies. Most of the ship’s facilities, including the fitness center, pools, hot tubs, and supervised youth programs for children, are free of charge. Basic beverages like tap water, regular coffee, iced tea, and lemonade are also included. However, you should be prepared to pay extra for "specialty" items like alcoholic drinks, sodas, Wi-Fi, shore excursions, spa treatments, and dining at premium specialty restaurants.