If you pay for an all-inclusive resort stay, cruise or vacation package, you might assume that everything is included. You might be wrong.

Check details carefully before booking, and ask whether the following cost extra…

High-quality liquor and wine. Resorts and cruise lines often boast that you can drink as much as you like without paying extra. They don’t mention that in some cases, only the cheapest or midlevel brands of wine, beer and liquor are included, and you will have to pay per drink if you want better quality. In some cases, all alcoholic drinks cost extra, and only drinks such as juice and soda are included.

Upgrades and so-called VIP areas. Special beaches, pools and other facilities may be set aside only for guests willing to pay extra. If there are multiple eateries on the cruise ship or resort grounds, some of those with the best food might not be included in the all-inclusive price.

Resort fees. Some all-inclusive resorts tack on a “resort fee” as high as 16% and that, they say, covers services such as Wi-Fi access, towels and/or housekeeping service—essentially, run-of-the-mill services that you would expect at any hotel.

Excursions. Cruise lines usually offer passengers off-ship activities. Many resorts offer special trips outside the resort grounds, such as zip-lining through a nearby forest or taking a guided bike tour. These extras typically are not included in the price.

Spa treatments. Massages, facials, manicures and other spa services might be supplied by third-party providers, and so they may not be covered by the all-inclusive price that you were charged.

Tips. Sometimes gratuities are included…sometimes employees expect to be tipped…and sometimes a required gratuity of perhaps 15% is tacked onto bills without warning.

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