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While we are talking pre-cruise homework, taking out cruise-specific travel insurance is advisable; even if you are not leaving Australian waters, Medicare and private-health policies do not cover medical expenses, which can be enormous on cruises. A good policy will also cover your expenses for cruises that are cancelled, unforeseen flight delays that mean you miss the ships departure and pre-paid port excursions that might have to be missed because of weather or sea conditions.

Talking of balconies, a balcony cabin does cost more than an inside or oceanview cabin, but for a extra few dollars a day a balcony cabin more than repays the cost in quality of cruise life – you have uncrowded sea and port views, fresh air whenever you want, and the luxury of privacy. Go for cruise ship cabin plans first.

Many lines, especially river cruise companies, offer bonuses such as free flights, pre-paid gratuities and on-board credits when you book and pay several months in advance. You also have the benefit of booking your preferred deck plan and cabin and if you are planning a family cruise during school holidays, always the busiest times, booking at least six months ahead is almost essential.

Doing your research before you book is key to finding the right sort of ship and itinerary that suits your lifestyle and budget. There are many tempting cheap offers floating around but if you are looking for a cosy couples getaway then a bargain-priced three-night sampler cruise on a ship with two or three thousand fellow passengers is not going to fit the bill.

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