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Costco cruise deals: How to save money booking travel at a warehouse club

Deal hunters know that Costco Travel is an under-the-radar hit for finding travel deals. For folks who prefer to vacation at sea, Costco cruise deals can be among the most lucrative offers you can find.

That's because low fares and value-added extras are hallmarks of Costco cruise bookings. Combine that with generally friendly service from the warehouse club's travel agents, and you might have another way to get maximum value out of your membership.

What are the benefits of booking a cruise through Costco, and how do Costco's cruise prices compare with cruise line pricing? I went online to road-test the booking platform. Here's what I learned.

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Benefits of booking a cruise through Costco

First things first (because I've seen people misinterpret this): a Costco cruise is a sailing booked through Costco Travel. Costco does not operate its own branded cruise line where the buffet line serves Kirkland hot dogs and churros and all cabins are equipped with Lovesac beanbag chairs. (That would be epic, though.)

Related: 5 unexpected places that sell cruises

The main benefit of booking a cruise through Costco is that every booking comes with a Digital Costco Shop Card and/or onboard credit.

Also, if you're an Executive Member, you earn 2% back on qualifying Costco purchases (up to $1,000), including many travel purchases. With cruises, you'd earn the 2% back on the cruise fare but not on the taxes, fees, auto-gratuities, other surcharges and trip protection.

That's free money for you to spend, either in a Costco warehouse or on the ship – especially as Costco cruises typically have competitive fares. It's not like you're paying more than you would by booking directly and getting the difference in Costco money.

This brings me to my second point. Typically, Costco Travel offers competitive rates on cruises, so you can either find a discounted deal or at least pay a similar rate offered by other travel sellers.

Finally, Costco offers "Buyer's Choice" and "Kirkland Signature" cruise deals, which offer "exclusive savings and included extras," according to the Costco Cruises website. The added-value perks vary by cruise line but may include shipboard credit, complimentary dinners and spa treatments on board and special wine and culinary theme cruise access with exclusive meals, tastings and demos.

My quick search through these deals revealed that Costco's Royal Caribbean and Norwegian Cruise Line cruises usually have the most added freebies. Norwegian cruises even feature free perks, such as a photo package or spa credit, that are combinable with the line's Free at Sea value-adds offered to everyone. Celebrity cruise deals were the ones centered around food-and-wine theme cruise perks, while Costco Carnival cruise deals typically offer both onboard credit and a Costco shop card.

Related: The best cruise booking perks – and which ones are actually free

I was not surprised to see that you could book Disney cruises through Costco, but they are not eligible for either Kirkland Signature or Buyer's Choice deals.

Costco cruise prices

Costco Travel boasts "exclusive Costco member rates," but are you really getting a deal? I priced out three sailings on different cruise lines to see how much you could potentially save by booking a Costco cruise.

I started with a seven-night Eastern Caribbean cruise on Royal Caribbean 's Harmony of the Seas, departing Sept. 9.

Costco listed balcony cabins from $784 per person. Booking perks included $50 onboard credit per room, one meal for two people in a specialty restaurant and a Costco shop card. Royal Caribbean listed rates starting from $833 per person on the same departure.

The cheapest balcony cabins where I could pick a cabin were Boardwalk-facing balcony cabins (inward-facing balconies toward the back of the ship) on Deck 14. Costco's final price for the two-person cabin was $1,849.56, plus a $95 shop card and the dining and credit perks. Royal Caribbean's final price was $2,197.56, with no perks.

Both prices included taxes and fees. The difference before the perks was $348, plus you get roughly $200 in value from the perks alone.

Related: Costco lovers: Consider the Costco Anywhere Visa Card by Citi

Next, I priced out a Carnival cruise , which didn't offer as many extra perks.

A six-night Mexico cruise on Carnival Miracle, departing from Los Angeles Oct. 8, was listed as $584 for a balcony cabin on Carnival and $564 on Costco.

Carnival offered $50 onboard credit per room, and Costco offered a $70 shop card and possibly some shipboard credit, but it wasn't clear the way the fine print was written.

Final prices worked out to $1,478.40 on Carnival (for two people sharing a cabin) and $1,444.40 on Costco. The Costco cruise deal was slightly better, especially if it really did come with shipboard credit.

For my last cruise, I looked at a seven-night Hawaii cruise on Norwegian Cruise Line 's Pride of America, departing May 27.

Starting prices were similar: $2,649 per person for a balcony cabin through Costco and $2,549 on Norwegian's website. Both included Norwegian's Free at Sea perks (complimentary beverage package, specialty dining, Wi-Fi and shore excursion credit).

However, Costco also offered the following valuable perks:

• Photo package.
• $50 spa credit for two people.
• 200-minute Internet Package.
• $50 arcade credit for one guest.
• One bottle of wine and chocolate-covered strawberries (per room).

On the other hand, Norwegian listed additional Free at Sea perks – free airfare and free third and fourth guests – that Costco did not mention on its site.

Ultimately, this sailing priced out the same at $6,375.28 per balcony cabin, based on double occupancy. Norwegian might have the edge if you can take advantage of the airfare offer. Otherwise, the Costco deal could be better value with all the extra inclusions.

Things to know when booking Costco cruises

I noticed a few things as I road-tested Costco's booking tool and compared it to the cruise lines' versions.

You can click on Kirkland Signature or Buyer's Choice deals to see featured offers, but they don't necessarily account for all of Costco's best deals. Sort by destination or cruise line to see more options.

Costco wasn't always clear about whether all sail dates and cabin categories were eligible for deals. The links that prompted you to click them to determine eligibility never gave me that information. Because I was not actually booking cruises, I could not see if these details became clearer just before you gave Costco your credit card information.

Lead-in rates were occasionally for guarantee rooms (where the cruise line picks your cabin), even when I thought I was choosing a regular cabin type. If you're not given a cabin number and you want control over your stateroom location, click the link to choose another room or cabin category.

Costco only accepts Visa and MasterCard for cruise booking payments. You will not be able to use your American Express and earn Membership Rewards points for your vacation purchase.

Related: Use these credit cards to maximize your next cruise vacation

You can, however, use a future cruise credit from a cruise line to pay for all or part of your Costco cruise. Your shop card amount will be determined by the cost of the cruise fare, not how you pay for it. So, if you use FCC to pay for your entire sailing, you will still get the shop card based on the invoice price.

Ultimately, savings will vary based on the specific itinerary, departure date and room you choose. The more you spend, the higher the shop card amount will be. Some deals were only available on close-in sailings or specific sail dates. In general, though, pricing was competitive with the cruise lines, and often the value-adds gave Costco the edge.

Costco cruise cancellation policy

Costco Travel operates like a typical online travel seller. Its cruise change and cancellation policies are simply what the cruise lines put in place themselves. They aren't different because you booked through Costco.

If you need to change or cancel your Costco cruise, you may be subject to fees or forfeit your deposit or portion of your cruise fare, according to each cruise line's rules.

You cannot get a rate reduction once you pay in full for the cruise, usually 90 to 160 days before departure. "Exceptions to this policy, if any, are at the full discretion of the cruise line and are outside of the control of Costco Travel," according to the online terms and conditions.

Are Costco cruises a good deal?

Costco cruises are priced competitively, especially when you factor in the shop card or shipboard credit available with every purchase. Some cruises will be exceptionally good deals, especially ones that come with lots of complimentary extras. Others will be roughly the same value as you'd find elsewhere.

You can spend a lot of time searching the site for the most amazing Kirkland Signature or Buyer's Choice steal, but it isn't always simple to assess the value. Still, if you're flexible, focus on these featured offers, especially ones with lots of freebies.

Travelers generally report having good experiences with Costco, either booking online or using one of their agents. You can use future cruise credit to book cruises with Costco. You will still earn cruise loyalty points toward status and can earn points, miles or cash back for your purchases made with rewards-earning credit cards like Visa and Mastercard.

It's likely not worth joining Costco just for its travel services. However, if you already have a membership and are planning a cruise, it's definitely worth seeing what the warehouse club is offering in terms of pricing and perks for the sailing you're contemplating. You might find a great deal and get a shop card to spend when you return home from vacation.

Planning a cruise? Start with these stories:

• The 5 most desirable cabin locations on any cruise ship
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• The ultimate guide to what to pack for a cruise
• A quick guide to the most popular cruise lines
• 21 tips and tricks that will make your cruise go smoothly
• 15 ways cruisers waste money
• The ultimate guide to choosing a cruise ship cabin

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♦The Disney Gift Card can be used at select participating locations at Walt Disney World® Resort, Disneyland® Resort, Disney Cruise Line®, Disney Store locations in the U.S., DisneyStore.com, DisneyPhotoPass.com, Disney Vacation Club® and ADVENTURES BY DISNEY®. It is not redeemable for cash, will not be replaced if lost or stolen without required proof of purchase, and it is subject to the terms and conditions of the Disney Gift Card Program. The Disney Gift Card cannot be used toward the purchase of a real estate interest in a Disney Vacation Club® Resort. The Disney Gift Card is issued by Disney Gift Card Services, Inc. Gift cards may not be used toward the purchase of Disney Dollars or Disney Gift Cards. Other restrictions apply. Use of gift card is acceptance of its terms and conditions. Visit DisneyGiftCard.com for complete terms and conditions and for more information about the Disney Gift Card Program. ©Disney

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The Best Ways To Save When Booking Your Next Disney Cruise

F orget about the Pirates of the Caribbean boat ride, if you want to elevate your Disney vacation to the next level, you can take a real Caribbean cruise aboard one of the Disney Cruise Line ships. Guests who visit the Bahamas or the Caribbean can also access Disney's private island, Castaway Cay. That's just the tip of the iceberg in terms of potential global destinations, too. In fact, if icebergs are your thing, Disney's Port Adventures partners even have a port of call in Alaska, where you can board the Hubbard Glacier Explorer and wind through an iceberg field for a couple of hours.

Depending on where you set sail and for how long, a Disney cruise can be cheaper, in some cases, than a Disneyland or  Disney World trip. It might not feel that way when you're paying one big amount upfront (after the requisite deposit), but the price of a cruise is generally all-inclusive. It even includes complimentary room service, 24 hours a day. At a Disney theme park, by contrast, a week at a deluxe resort hotel, plus park tickets, meals, and other add-ons, can sometimes total up to a higher cost than a week-long cruise would. If it's your first time going on a Disney cruise , or you're just looking to save on your next one, it helps to arm yourself with some money-saving tips beforehand. With that in mind, here's how you can get the best deals when booking on the Disney Cruise Line.

Read more: Tips For Spending Less On Food When Traveling

Book Through A Travel Agent

One Disney cruise tip you'll often hear is to book through a travel agent. The Disney Cruise Line does have special offers, such as discounts for Florida or Canada residents, or other limited-time deals on select sailings. However, when you book directly with Disney, it can be disorienting trying to make sense of all the different itineraries available through its fleet of six ships. The Caribbean region alone has options from 4 to 10 nights for the Western, Eastern, or Southern Caribbean, with multiple states and territories of departure.

Authorized Disney Vacation Planners like The Vacationeer and Small World Vacations can employ their expertise to help you narrow down your choices and get the lowest possible cruise fare. They're just two examples of well-known agencies that have reached Diamond Earmarked status, the highest level for an authorized planner (followed by Platinum, Gold, Silver, and Bronze). Such agencies might be able to give you a fuller picture of the best deals, and they often come with the added benefit of an onboard credit.

A credit starting at $50 for a cruise of $1,000 or more might not seem like much, but fares aren't truly all-inclusive. Sure, the Cabanas buffet is free, but alcohol, gratuities, and certain other restaurants and activities (not to mention Wi-Fi service) all come at additional costs. The onboard credit helps cover these types of things. Currently, Costco members who book a Disney Cruise through Costco Travel can also get a $100 to $200 gift card.

Use A Cruise Search Engine

Travel agencies like the aforementioned Vacationeer and Small World Vacations advertise their services as free, so you shouldn't have to pay extra for your Disney cruise with them. For first-timers, it can be helpful to have someone walk you through the many decisions you'll need to make, like what kind of stateroom to book. However, if this isn't your first Disney cruise, you may prefer to eliminate the middleman and survey all the best booking options yourself. In that case, you can approach your cruise like you would if you were booking a flight or hotel through other third-party sites, like Priceline and Expedia.

Both those sites have their own dedicated Disney Cruise Line page where you can input a destination and dates and find deals, the same as you would for a non-Disney search. These sites are a good option if you already have some idea about where and when you want to go. Another specialty site, which works the same way and frequently comes recommended for Disney cruises, is Undercover Tourist . It offers an onboard credit, and its other big selling point is that it will apply its own discount to your fare. That's in addition to any built-in discounts Disney may be offering, like its reduced military rates.

Book Early And Watch For Last-Minute Stateroom Deals

While "book early" works as a general piece of travel advice, it's an especially good rule to follow with Disney resorts and cruises. This is because of the way the surge pricing system works. Like Royal Caribbean and other cruise lines, Disney tends to offer its best prices when an itinerary first becomes available. As the ship fills up with passengers, prices on the remaining cabins will go up to meet demand.

One way to get around this is by keeping an eye on Disney Cruise Line news via the official site . If you hear about a new itinerary, you can try to book it as soon as it goes on sale. Anyone who's already been on at least one Disney cruise should also be automatically enrolled as a Silver Member in Disney's cruise loyalty program, Castaway Club. Being a member allows you to book new cruises a day or more before the general public, depending on your membership level.

The flip side of booking early is deals that come along on last-minute staterooms with restricted fares. These non-refundable deals usually open up a few weeks or months before a cruise departs, and they require you to pay in full beforehand. Offsetting the price savings is the fact that your room will be assigned at the last minute based on availability. However, they'll guarantee you the room category you reserve or better, so you might even luck out and get an upgrade.

Book A Shorter, Off-Peak Season Cruise In An Inside Cabin

Disney has some European cruises, for instance, that sail for up to 11 or 12 days. However, these can cost upwards of $11,000 for two people. Again, a one-week Disney cruise might be cheaper than a one-week Disneyland or Disney World stay, but a 3- or 4-night cruise could give you an equally enjoyable experience without breaking the bank.

Since Disney cruises are family-friendly, they tend to be more in demand (and thereby, more expensive) when school is out. The same rules about steering clear of holiday breaks apply as much to the Disney Cruise Line as Disney theme parks. If you're looking to save, the best times of year  are January, February, May, October, and before or after Thanksgiving (but before Christmas and New Years). Just keep in mind that weather is also a factor in determining the off-peak cruise season. For that reason, you might want to avoid a cruise somewhere like Bermuda or the Bahamas during the month of September, when it's the height of hurricane season.

Consider, also, what type of stateroom you book. Disney is not so different from other cruise lines when it comes to inside cabins being cheaper. With an inside cabin, you won't have a window, but on two ships — the Disney Dream and Disney Fantasy — you will have a "magical porthole." It's a flat-screen monitor with a live camera feed of the outside of the ship. Sometimes, Disney characters join the feed.

BYO Alcohol And Book A Second Cruise While Onboard

Once you know which Disney cruise is right for you , there are other things you can do to save money onboard. This includes being frugal about add-ons and bringing your own alcohol. That's right: passengers are allowed to carry on up to six 12-ounce beers or two 750-milliliter wine or champagne bottles (unopened). If you're on one of Disney's round-trip cruises from Australia or New Zealand, you can bring that much onboard for each port of call.

This could help reduce your bar tab if you plan on drinking. The only catch is that you can't bring your own alcohol into public lounges, and there's a $26 corking fee if you bring a bottle to dinner. With a standard verandah-type stateroom, though, you can always just enjoy sipping your beverage on your balcony.

If your Disney cruise turns out to be an experience worth repeating, one final thing you can do to save on a future trip is reserve your next cruise while you're still onboard the current one. The Disney Cruise Line Navigator app gives access to a special onboard booking offer where you can make an open-ended "placeholder reservation" for another cruise within the next two years. You can choose a sail date later, and in the meantime, it will give you a 10% discount on the normal rate. Though you have to pay a $250 deposit, it's refundable if you decide to cancel before you've locked down a date.

Read the original article on Explore .

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