What You'll Pay: Cruise line spas charge rates equal to high-end salons, and you might be shocked by the prices. A 50-minute massage is typically about $120 to $180, with more exotic treatments running into the $200 to $400 range (not to mention medi-spa treatments, which can start in the four-figure range). Plus, rates don't include an automatic gratuity that typically runs 18 percent. Passes to thermal suites and thalassotherapy pools average $25 to $40 per day, with cruise-long packages also available. Beware of sales pitches: Most shipboard spas are operated by Steiner's of London, and the staff (who work on commission) often give you the hard sell to persuade you to buy their pricy products.

Savings Tip: Take advantage of spa discounts, typically offered on embarkation and port days. Check your ship's daily program for spa-treatment specials that might be available one day only or during certain hours. Some lines offer progressive discounts if you book multiple treatments all at once. Resist that product sales pitch, or better yet, ask up front not to be bothered with sales pitches at all. #inCruises