There is no such creature as the all-inclusive cruise. No matter how high up the caviar chain is a cruise line, with Silversea and Seabourn probably at the top, there is always something to be paid for at the end.

A woman in the industry who took a seven-day Carnival cruise with a companion for $2,300, air fare included, paid $450 for extras. A reporter who took a $2,267 cruise of seven days on the Grand Princess, air fare included, paid $208 in extras, among them a $47.50 phone call, a $50 pedicure and $2.50 milkshake.