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While booking with the cruise line can be more expensive, it also offers some extra protection.  You can view the extra cost as insurance.  What you save in booking privately is the work involved in thoroughly checking out the vendor.  Too many people just look at the savings and don't do their homework.  For most, things work out.  For some, problems arise, and then they find out that there is nothing they can do about it.  I have taken several ship excursions and some private ones.  I don't find the private ones that much better.  When in a foreign country, it is buyer beware.