8 Surprising Disney Cruise Money Mistakes (and How to Avoid Each One)

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Planning a Disney Cruise is exciting, but it can also be a bit overwhelming—especially when it comes to managing your budget. Even with all the fun and memorable experiences on board, there are a few common spending pitfalls that can catch guests off guard.

Over the years, I’ve noticed that many cruisers (myself included) have made the same money mistakes, often simply because they didn’t know what to expect. The good news is that a little preparation can help you avoid unnecessary expenses and get the most value from your trip.

Here I’ll break down some of the most frequent Disney Cruise money mistakes and offer practical tips to help you steer clear of them.

Whether it’s your first sailing or you’re a returning guest, these insights can make your cruise more enjoyable—and a bit easier on your wallet.

1. Splurging on Onboard Souvenirs and Merchandise

I know. It is so tempting. The gift shops on board all the Disney Cruise ships have some fabulous merchandise.

And yes I have gone so crazy with my purchases that I have even had to buy an extra bag to get it all home.

Here are some ideas to keep your spending under control.

• Set a souvenir budget for yourself (and for kids!) before you ever step onboard.
• Scope out the shops early in your cruise, then wait until later in the sailing to decide what you really want.
• Limit impulse buys by taking photos of items you like. If you’re still thinking about it later, it’s probably worth it.

Now I know that some of you will say that “it might sell out so I can’t wait”. This is true of some items, particularly if you are on an Inaugural Sailing. But mostly supply of items is not too much of an issue.

2. Booking a Balcony Stateroom When an Inside or Oceanview Would Do

Balcony (verandah) staterooms on Disney Cruise Line are undeniably appealing.

Having your own private outdoor space to watch the sunrise, enjoy fresh air, or unwind with a view can feel like a little slice of luxury. However, these cabins come with a noticeably higher price tag compared to inside or oceanview staterooms.

Common Money Mistake:
Many guests automatically book a balcony stateroom, thinking it’s essential to the cruise experience. In reality, some cruisers spend very little time in their room or on their balcony—and realize after the cruise that they could have saved hundreds (or even thousands) by choosing a more affordable cabin.

Practical Tips:

• Think about your cruise habits. If you plan to be out and about—enjoying the pool, participating in activities, exploring ports, and dining around the ship—you may find you’re rarely in your stateroom except to sleep and shower.
• Consider the itinerary and weather. On some routes (like Alaska or Northern Europe), a balcony can be especially nice for sightseeing. But on very hot or rainy itineraries, you may not use it much at all.
• Check out oceanview or inside options. Oceanview rooms let you enjoy natural light without paying for a balcony. Inside staterooms can be surprisingly comfortable, and Disney’s “magical portholes” on some ships even provide a virtual view.
• Do the math. Compare the price difference between balcony and non-balcony staterooms. Would the extra money be better spent on excursions, specialty dining, or souvenirs?
• Ask your family what matters most. If you’re traveling with kids who are always busy with activities, the balcony might go unused. For some families, the savings can be significant.

Bottom line:
A balcony can add to the experience, but it’s not a must-have for everyone. By honestly assessing how you’ll use your stateroom, you can often save a substantial amount—without sacrificing comfort or fun. Save the splurge for when you’re sure you’ll really enjoy that extra space.

3. Paying for Expensive Spa Treatments and the Rainforest Room

It’s easy to be tempted by the luxurious spa offerings on a Disney Cruise. From massages to facials to salon services, the Senses Spa menu is extensive—and the relaxing Rainforest Room, with its aromatherapy showers, heated loungers, and steam rooms, is often talked about as a cruise must-do. However, all of these experiences come at a premium price.

Take a look at the Senses Spa Menu.

Prices tend to be much higher than you would pay at your local salon or spa.

Common Money Mistake:

Many guests purchase a Rainforest Room pass thinking they’ll take full advantage, only to find their time on board is busier than expected.

Packed days in port, family activities, and onboard entertainment can make it hard to justify the extra cost, especially if you only use your pass once or twice.

Length of cruise passes for the Rainforest Room on the 7 night Disney Treasure itineraries are now at $400 when you include the tip. Work out just how much you are going to be able to use your pass – try breaking it down into a per hour cost and really think about whether you want to do this.

Related: Is The Rainforest Room Really Worth It?

Practical Tips:

• Consider your itinerary before booking. If your cruise is heavy on port days or you plan to spend most of your time with your family, you may not get your money’s worth from a multi-day Rainforest Room pass or multiple spa treatments.
• Try a day pass first. If you’re curious about the Rainforest Room, purchase a single-day pass rather than a full-cruise package. Day Passes aren’t always available but make sure to check at the spa when you board to see if this is an option for you.
• Look for specials. Sometimes, Disney offers spa treatment discounts on embarkation day or during the cruise, especially while the ship is docked in port.
• Evaluate your priorities. If spa relaxation is a top priority for you, plan ahead and block off the time. Otherwise, you may find your days are too full to enjoy the amenities you paid for.
• Compare with prices at home. For basic treatments like massages or facials, check what you’d pay at a local spa. Sometimes the Disney premium is worth it for the experience—but sometimes, it’s not.

4. Not Budgeting for Port Adventures

Port adventures (shore excursions) are a highlight of many Disney Cruises, but their costs can add up quickly—especially for families. It’s easy to overspend or sign up for more activities than you really need.

Remember too that if you are visiting Disney’s Castaway Cay or Lighthouse Point there is plenty to enjoy without spending any money at all.

Related: Disney Castaway Cay Activities

Practical Tips:

• Prioritize: Research each port and pick one or two must-do excursions. Not every stop needs an organized tour.
• Compare options: Disney’s excursions are convenient but often pricier. Consider reputable local providers or explore on your own for a more budget-friendly day. Always check to see if a tour that you want is available on Viator.
• Set a budget: Add up the costs before you book and decide what you’re comfortable spending. Remember, prices are per person.
• Book early, but don’t over-schedule: Reserve your top choices in advance, but leave downtime for relaxation or spontaneous exploring.

Bottom line:
With a little planning, you can enjoy memorable adventures without overspending or feeling rushed. Focus on what’s most meaningful for you and your family.

5. Forgetting to Put Your Phone on Airplane Mode

Not switching your phone to airplane mode can lead to surprise roaming charges at sea. Disney Cruise Line uses “Cellular at Sea,” which is extremely expensive—sometimes even for short periods of use.

Tips:

• Put your phone in airplane mode as soon as you board to avoid accidental charges.
• Connect to the ship’s Wi-Fi and use the free Disney Cruise Line Navigator app for schedules and onboard messaging.
• You don’t need to pay for internet to use the Navigator app.
• Turn off roaming and mobile data to be safe.
• If you need internet:
  Disney Cruise offers two main internet packages (as of 2025):
  • Basic Plan ($26/day): Social media only—no web browsing, email, or streaming.
  • Premium Surf ($42/day): Full access, including streaming, email, and web.
• You can only purchase internet once onboard.
• No free Wi-Fi on Castaway Cay or Lighthouse Point—only via your paid package.
• If you need cellular service at sea, check with your provider for cruise-specific plans and be aware of high costs.

Bottom line:
Switch to airplane mode, use the free app, and only buy internet if you truly need it. This will help you avoid unexpected bills and stay in control of your connectivity costs at sea.

Related: Do You Really Need the Disney Cruise Internet Package?

6. Buying Toiletries or Medication Onboard

Forgetting essentials like sunscreen, pain relievers, or seasickness remedies can turn into an expensive mistake on a Disney Cruise. While the onboard shops do carry basic toiletries and medications, prices are much higher than what you’d pay at home, and options can be limited.

Tips:

• Pack a small first aid kit:
  Bring along basics like pain relievers, seasickness medication (such as Dramamine or Sea-Bands), adhesive bandages, allergy medicine, and any other over-the-counter items your family might need. Don’t forget plenty of sunscreen and after-sun care.

Related: Cruise First Aid Kit Essentials You Need to Pack

• Include all prescription meds:
  Make sure to pack enough prescription medication for the entire cruise, plus a little extra in case of travel delays. Keep these in your carry-on, not checked luggage.
• Make a detailed packing checklist:
  Before your trip, create a checklist of all toiletries and health essentials for everyone in your group—think toothpaste, toothbrushes, deodorant, contact lens supplies, and anything else you use daily.
• Buy travel sizes at home:
  Stock up on travel-sized versions of your favorite products before you leave. These are not only more affordable, but they’ll also save space in your luggage.

Bottom line:
A little planning goes a long way. Packing your own toiletries and medications ensures you have exactly what you need—at a fraction of the price and with much less hassle.

7.Not Checking for Price Drops After Booking

While Disney Cruise Line price drops are rare, they do happen—sometimes with big savings for those who act quickly.

For example, a recent 30% discount on most Australia and New Zealand sailings gave many already-booked guests the chance to save hundreds (or even thousands) on their cruise.

Why Book with The Vacationeer?

Booking with The Vacationeer means you don’t have to watch prices yourself. Their team will monitor for price drops and handle any adjustments, so you never miss out on rare savings. You’ll also get free onboard credit, expert planning, and all services at no extra cost.

Bottom line:
Price drops are rare but possible—like the recent 30% off Australia/NZ cruises. Booking with The Vacationeer ensures you never miss a deal!

Get a No Obligation Quote and On Board Credit

8. Paying for Specialty Dining You Don’t Really Want

Disney Cruise Line offers amazing included dining with its signature rotational restaurants, but some guests feel pressured to pay extra for specialty dining at venues like Palo, Remy, or Enchanté—even when it may not truly fit their tastes or budget. While these adults-only experiences are popular and highly rated, they aren’t a “must” for everyone.

Tips:

• Do your homework:
  Check menus, prices, and guest reviews for Palo, Remy, or Enchanté before your cruise. Make sure the cuisine and atmosphere genuinely appeal to you—these restaurants specialize in upscale Italian or French fare, which isn’t everyone’s favorite.

Related: Should You Book Palo Brunch Now The Buffet Is Gone?

Also make sure that you understand exactly what is being charged for and don’t repeat my very expensive mistake at Enchante.

• Enjoy included dining:
  Disney’s rotational dining (three themed restaurants per sailing) is included in your fare and consistently gets rave reviews for both food and service. You won’t be missing out if you skip the upgrades!
• Book for a special occasion:
  Specialty dining can be a memorable way to celebrate an anniversary, birthday, or other milestone. Unless you have a reason to indulge, there’s no need to book just to “try it.”
• Don’t feel pressured to upgrade:
  Specialty dining reservations can be limited and may seem exclusive, but remember: the main dining rooms are excellent and included. Book what fits your interests, not just what’s popular.

Bottom line:
Specialty restaurants are a treat for the right occasion or palate, but Disney’s included dining is already a highlight. Spend your money where it matters most to you—skip the upgrades unless they truly add value to your cruise experience.

Related: Is Dinner at Palo Really Worth the Upgrade?