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If you’re planning a Disney cruise, there’s a simple way to add extra value to your vacation—without paying anything extra. But here’s the key thing most people don’t realize: This onboard credit is not something Disney gives you when you book directly. It’s a perk that select travel agents (including me!) offer to our clients. Let’s break it down.

A Disney cruise offers an unforgettable vacation experience for guests of all ages. But what exactly is included in a Disney cruise?...