In short
You switch off the monthly payment yourself in your account; ending the membership is a separate request to support. Within 14 days of signing up you can get back all payments; after that, the activation fee is not refunded. With a cruise booked at the member price on CLASSIC or PREMIUM, keep paying until you board.
Three different things
| What you want | How | What happens |
|---|---|---|
| Stop the monthly payments | Yourself, in your account settings | No further charges. Your membership is not closed, and payments already made are not refunded automatically |
| End the membership | A request (ticket) to support, or in writing | The membership is formally closed |
| Get money back | A separate refund request to support | Within 14 days of joining: all payments. Later: the activation fee is not refunded |
Stopping recurring payments
- Log in to your account.
- Go to Settings → Payments → Manage Renewal Payment.
- Select Cancel.
This takes effect immediately and stops all future charges, including any backup payment method on file. It does not refund payments you have already made.
What happens to your points
Turning off auto-payment doesn't erase your Reward Points right away. While your membership is paid, your points keep adding up. If a bill stays unpaid for 30 days, your points turn into Base Points:
- Base Points have no time limit, but give at most 17% off;
- they can't be combined with Reward Points, and no new points are added;
- member prices (INsider Pricing) are no longer available;
- Base Points don't turn back into Reward Points, even if you reactivate later.
Full details on what happens to your points →
If you already have a cruise booked
On CLASSIC and PREMIUM, a cruise booked at the member price requires you to stay a paying member until you board. If you stop paying before that, check with support what happens to the booking. On STARTER this requirement does not apply. Separately, the cruise itself has its own cancellation conditions — stopping your membership does not cancel a cruise.
If you want a refund, not just a pause
- Within 14 days of joining you can get back everything: the activation fee and membership payments.
- After 14 days, the activation fee is not refunded; whether monthly fees can be refunded depends on your situation.
- A refund is never automatic — cancelling the recurring payment does not trigger it. Send a separate request through the support portal or in writing.
- Some regions have different legal refund windows; check the one that applies to you.
Coming back later
Reactivating a CLASSIC or PREMIUM membership means paying the full initial amount for the plan again, not only the missed months. STARTER can't be reactivated as STARTER — you come back on CLASSIC or PREMIUM. See the membership plans.
The honest summary
You are never locked into ongoing charges you didn't agree to keep paying. Cancelling the recurring payment is fast and fully in your control. Formally ending your membership or asking for a refund takes one more step — a request to support — but neither requires convincing anyone or justifying your decision.
Common questions
Can I cancel the membership at any time?
Yes. You can switch off the monthly payment yourself in your account at any time. Formally ending the membership is a separate request to support.
Do I get my money back if I cancel?
Within 14 days of joining you can get back all payments. After that, the activation fee is not refunded. A refund always needs a separate request.
What happens to my points when I stop paying?
They stay for 30 days. After that they turn into Base Points: no time limit, at most 17% off, no new points and no member prices.
Can I stop paying if I have a cruise booked?
On CLASSIC and PREMIUM, a cruise booked at the member price requires you to stay a paying member until you board. Check with support before you stop.
Can I rejoin later?
Yes, on CLASSIC or PREMIUM, by paying the full initial amount for the plan again. Base Points don't turn back into Reward Points.
Reflects membership terms as of March 2026. Refund windows vary by region. Always confirm current terms in your account. Reislite is an independent information site run by partners, not a website of inCruises.