How much extra time should I add for ferry loading and unloading?

Add 15-30 minutes for loading and unloading, depending on the boat type. Passenger-only ferries load in 5 minutes, car ferries take 20-30 minutes, and tourist boats are slower by design. Arrive 15-20 minutes early for walk-on ferries, 30-45 minutes if you’re driving, and plan for the worst-case schedule, not the brochure.