4. Look for lower fares — without the perks.

Just as you should price out a package's true worth, you should take the fare and subtract the actual price of the perk to see what the trip would cost without it. And then try to beat it. "The cruise lines that offer such promotions will generally offer more than one price point," says Christopher Festerman, a travel agent with CruisesOnly. "The math is simple when you analyze the perk value minus fare difference. Is it worth it or wasted?"