STARTER is a lower-commitment way to try the club out; PREMIUM only pays off if you're booking frequently.
Side-by-Side Comparison
| STARTER | CLASSIC | PREMIUM | |
|---|---|---|---|
| First payment | $50 | $200 | $500 |
| Monthly fee | $50 | $100 | $250 |
| INsider Pricing bookings / year | 2 | 5 | Unlimited |
| Cruise discount via Reward Points | Up to 50% | Up to 50% | Up to 50% |
| Best for | Trying the club | Regular travelers | Frequent travelers |
The "first payment" isn't a hidden charge — for CLASSIC and PREMIUM it's the activation fee plus your first month, billed together. After that you're billed the monthly fee alone.
A Few Things About STARTER
- Only available to new members — you can't downgrade into it.
- One STARTER membership per account.
- If it lapses, reactivating means moving up to CLASSIC or PREMIUM.
Can You Change Plans Later?
Yes. Upgrading from CLASSIC to PREMIUM is straightforward — you pay the difference, then move to the higher monthly fee. Downgrading from PREMIUM to CLASSIC is possible, usually once.
Not sure which fits?
Think about how many trips you realistically take a year, not how many you'd like to. One or two → STARTER covers it. Travel is regular → CLASSIC is usually the better value. See how the points add up → Or step back and ask: is it worth joining at all? →
Reflects membership terms as of March 2026. All fees in USD. Always confirm current terms before joining. Independent Partner of inCruises.