You pay a monthly membership fee, and in exchange you get access to club pricing and a rewards system built specifically around travel. It isn't a travel agency, and it isn't an investment — it's closer to a subscription that pays you back in trips.
The Two Core Benefits
Instant savings: INsider Pricing
As soon as you're an active paying member, you get an instant discount — typically around 17% — off the listed price of cruises, hotels, and resorts booked through the club.
Read the full breakdown of INsider Pricing →
Points that build toward your next trip: Reward Points
Every time you pay your membership on time, you earn Reward Points. They can cover up to 50% of a cruise's cost, or — if you plan far enough ahead — the entire cabin.
See how Reward Points actually work →
Three Membership Plans
There isn't one fixed price — there are three tiers, built for different travel frequencies. Pick the one that matches how often you actually travel.
| Plan | Monthly fee | Bookings / year at INsider Pricing | Best for |
|---|---|---|---|
| STARTER | $50 | 2 | Trying the club out, occasional travelers |
| CLASSIC | $100 | 5 | Where most members land |
| PREMIUM | $250 | Unlimited | Frequent travelers, premium ships |
Compare the three plans in detail →
Booking a Cruise With 100% Points
Plan far enough in advance — 270 days or more before departure — and you can cover an entire cabin with Reward Points instead of just a portion of it.
Plan early, pay less
The earlier you book, the more of the cost your points can cover — up to the whole cabin at 270+ days out. How the 270-day rule works →
Price Match, the Pyramid Myth & Cancelling
What if you find it cheaper elsewhere?
There's a price match guarantee: find the same cruise for meaningfully less before you book, and the club will match it. Full terms →
Is it a pyramid scheme?
The simplest test: does the money come from a real product, or only from recruiting? Membership itself is the product. The honest breakdown →
Can you leave whenever you want?
Yes. Recurring payments cancel in a single click, any time. Step-by-step →
What happens if you miss a payment?
Your points don't just disappear — they convert into a fixed-value discount that doesn't expire. What actually happens →
Still Have Questions?
Reflects the membership structure as of March 2026 (Membership 3.X) and is for general information only — not an offer of specific trips or prices. Confirm current details inside the club. Independent Partner of inCruises.