U.S. citizens traveling on European cruises must have valid passports, and some ports require appropriate tourist visas as well. You will be required to show your passport to cruising personnel before you board. Bring along a photocopy of your passport, in case it is lost or stolen while you're vacationing.
On most cruises, your room key will function as your primary form of identification and payment--you'll swipe it just like a credit card, and your cruise account will be charged. You won't need cash or credit cards for most things on board (notable exceptions include casino gambling and purchases made at boutique stores or art auctions).
Weather on European cruises varies, depending on your itinerary, so pack appropriate clothing. Think light layers when it comes to southern European destinations--even summer Mediterranean cruisers can expect chilly evenings while at sea. If your itinerary takes you to Scandinavia or Ireland, for example, pack heavier clothing suitable for colder climates. As with other cruises, European cruises probably will have one or two formal nights, so if you plan to participate, pack your fancy duds.
Many members of the European Union use the euro as official currency. Check into currency exchange rates in the U.S. before you leave; if rates are favorable, purchase euros for your trip. If you are uncomfortable carrying cash, pack traveler's checks. Take along Visa and MasterCard credit cards, which are welcome throughout Europe, but beware that many banks will charge an additional fee for transactions overseas.
Study up on your ports of call before you leave for your trip, buy some guidebooks ahead of time and bring the appropriate book when you go on your excursion. Many books highlight the port cities, include "must-sees," tips and maps. Get the latest editions, which will have updated fees and hours for attractions and tours.
Fit in with the locals--or at least make it seem like you're trying--by packing language guides. If your luggage already is bursting at the seams, think of phrases you'll use in each port ("please," "thank you," "hello" and "goodbye") and write them down on index cards before you leave. Include pronunciation for each language.
Pack clothing that is appropriate for the various tours. Many of Europe's top attractions--especially churches--enforce strict dress codes, prohibiting tourists from wearing shorts above the knees or sleeveless tops, for example. Pack a shawl or light jacket and wear long shorts, slacks or capri pants for visiting ports.