Cruise passengers reveal number one tip to avoid pricey onboard blunder

Cruise passengers are sharing the slightly 'ridiculous' tip they swear by to dodge unexpected costs on vacation.

Whether you opt for a balmy getaway with the like of Royal Caribbean or a wintry Scandinavian cruise with Fred Olsen, there's no denying they're a bit of a luxury.

In fact, a report from Cruise Trade News and Mail Metro Media found that 52 percent of people who’ve never cruised delay booking because of the cost, while 34 percent of both past and potential cruisers say they can no longer afford a cruise holiday.

From drinks packages and WiFi to speciality dining and on-land excursions, the cost of cruising can quickly stack up.

But if there's one thing you absolutely don't want to get caught out on while abroad, it's medical care.

No vacation is ever risk-free (Erik Isakson/Getty Images)

Of course, you should always take out travel insurance, as one unlucky passenger found out the hard way.

But social media users also rely on another method to keep costs down while preparing for all eventualities.

Taking to Reddit, one soon-to-be cruiser asked: "What’s a cruise hack or tip you wish you knew earlier?

"As a seasoned cruiser talking to a first-time cruiser, what would be the most valuable tip you would share?"

The top answer was to bring 'every over-the-counter medication you can think of'.

Make space in your suitcase for all your over-the-counter essentials (Malorny/Getty Images)

"Then add band aids, cough drops, topical steroids and antibiotic cream, sunscreen, moisturizer and any other drug store items you can think of," the respondent added.

"They are so expensive IF you can find them!"

Another person pointed out that period pads and tampons are also difficult to come by on cruises, so it's worth adding those to the list if needed.

"My mini pharmacy in the room was a bit ridiculous but I’d so rather have it than not!" a second chimed in.

And while stocking up might sound overkill, others have experienced first-hand just how practical it can be.

One passenger said they lost a toenail in the pool on their first cruise earlier this year.

"I always carry a bunch of OTC painkillers so I would've been fine just resting up in my cabin, but the damn thing wouldn't stop bleeding!" they explained.

"We went to the medical bay, and after two hours, a nurse and a doctor looking at it, and then dressing it, it cost us almost $300!"

"I will definitely bring a basic first aid kit with me next time," they resolved.

A second over-packer said of their emergency stash: "On my last cruise I was very grateful for it. Caught the flu the last few days and used every one of those medications."

And if you should find yourself caught short, then all you need to do is ask.

One person suggested: "If you need something that you don’t have - ask on your cruise Facebook group, I am sure a seasoned cruiser who packs everything has what you need and is willing to share- we’ve been preparing for moments like this!"

The more you know!