US Virgin Islands / Where to stay
US Virgin Islands all-inclusive resorts: two stays to shortlist
The short answer: Start with Bolongo Bay Beach Resort for a small, all-ages stay on St. Thomas. Choose Carina Bay on St. Croix if everyone is 18 or older and you want an adults-only break. Check the exact meal plan before booking: breakfast, a dining credit, and Club Level are not the same as all-inclusive.

An all-inclusive holiday should make life simpler. Yet a search for US Virgin Islands all-inclusive resorts can turn up hotels where most food and drinks cost extra. A lovely beach and a breakfast offer do not settle the question.
These two resorts are worth a close look because they sell real meal-and-drink plans. They suit different trips. Bolongo Bay Beach Resort is on St. Thomas and welcomes families. Carina Bay is on St. Croix and is for adults.
The two all-inclusive resorts at a glance
| Resort | Best reason to choose it |
|---|---|
| Bolongo Bay Beach Resort, St. Thomas | Small resort, all-ages stays, and an all-inclusive option with meals ordered from a menu |
| Carina Bay, St. Croix | Adults-only all-inclusive stay for guests 18 and up |
Pick the island before the hotel
These all-inclusive resorts sit on different islands. Bolongo Bay puts you on St. Thomas, with ferry routes to St. John. Carina Bay puts you on St. Croix. You cannot drive between them. Treat each as a separate base for a Caribbean trip.
If St. John is high on your list, a St. Thomas hotel is the simpler starting point. Red Hook has passenger ferries to Cruz Bay. You still need a ride from the hotel to the dock. Check the return trip before you head out.
If you choose St. Croix, look at flights into that island first. A low fare into St. Thomas may lose its appeal once you add another flight or boat trip. The US Virgin Islands share a name, but they do not share one airport.
Renting a car gives you more freedom to leave the hotel. In the Virgin Islands, you drive on the left side of the road. If that feels stressful, price taxis and agree on pickup plans instead. An all-inclusive hotel is easier to enjoy when getting there is simple.
1. Bolongo Bay Beach Resort: best for a small, all-ages stay
Bolongo Bay is a small, family-owned resort on the south coast of St. Thomas. It has 65 rooms. That small scale is part of the draw. Choose it for a laid-back beach vacation, with less choice and less ground to cover than a big resort.
Its all-inclusive plan covers breakfast, lunch, and a four-course dinner. Meals are ordered from a menu. The resort currently says it has one restaurant, so variety means menu choices rather than a long list of dining rooms.
The plan includes drinks, but not all top-shelf brands. Bottled water and extra dinner entrees cost more. Children ten and under use the kids' menu. Read those details before you count on unlimited cocktails or any meal you want.
Bolongo Bay Beach Resort has snorkel gear, paddleboards, kayaks, and other water sports gear. These are for all guests, not just those on the meal plan. Check the weather and rules before you head out. Boat charters may cost extra.
Iggies' Oasis is the open-air restaurant, with a pool bar. It is not the same venue as Iggies Beach Bar, which the resort's FAQ describes as being rebuilt. Check where evening events will take place. Do not book for a beach bar shown in an old photo.
The meal plan lists a complimentary bottle of wine with dinner. Ask which bottles and drinks are covered close to your stay. This is a casual Caribbean hotel with a laid-back vibe. If you turn in early, ask about noise near your room before choosing it.
Choose it if: you want a casual resort, a simple food routine, and a place that can work for both adults and kids. Think twice if: your ideal stay depends on several restaurants, a huge pool complex, or a very broad menu each day.
2. Carina Bay: best for an adults-only break on St. Croix
Carina Bay is an adults-only option on the east end of St. Croix. Guests must be at least 18. Its beach setting and two pools suit a trip where you want to slow down and spend time on the property.
The resort's guest guide says Oceans at Carina Bay is now part of Carina Bay. Count them as one resort on your shortlist. They are not two choices.
There is no spa. Restaurants and bars may change with the season, too. Ask which ones will be open for your stay. An old booking page may list more dining options than you will have.
There is a fitness center if a workout is part of your day. You can also play tennis, pickleball, or shuffleboard. Ask the front desk for gear. These give you things to do when the beach does not suit your plans.
Check the beach before you book. Carina Bay warns that seaweed can build up at some times of year. It offers a shuttle to a nearby beach during those periods. That may be fine for you, but it changes the day if you hoped to swim near your room.
Choose it if: your group is all adults and wants an all-inclusive base on St. Croix. Think twice if: you need a spa, are traveling with children, or would be upset to use another beach on some days.
In a Carina Bay guest discussion, one person praised the food, staff, and stay. Others discussed hillside rooms across the road. Use those details to ask better questions. They do not promise how your trip will feel. Check where your room is and how you reach meals.
Comparing US Virgin Islands all-inclusive resort prices
Start with the meals. Does the rate cover breakfast, lunch, and dinner for every person in your room? Are snacks part of the plan? Does it cover the day you arrive and the day you leave, or only certain hours?
Then check drinks. House brands, top-shelf spirits, bottled water, wine by the bottle, and minibar items can have different rules. If a certain drink matters to you, ask about that drink. A general yes to “Is alcohol included?” may not answer it.
Finally, check the bill. Look for taxes, mandatory fees, and service charges. Ask whether tips are included or left to guests. Save the rate details so you have the terms that applied when you booked.
A flight-and-room deal may not cover meals. A breakfast offer leaves lunch and dinner to you. Compare all-inclusive vacation packages line by line. Check food and drinks as well as flights and bags.
Is an all-inclusive resort worth it if you eat out?
An all-inclusive resort makes the most sense when you plan to eat there. If you spend most days exploring the island and eat dinner in town, you may pay twice: once for the package and again for meals away.
Count the meals you will really use. A late flight may mean you miss dinner on day one. A full-day boat charter may include its own lunch. A day on another island can take you away from the resort for all three meals.
Say a meal plan costs $150 per adult per night. For two adults and five nights, that adds $1,500. This is an example, not a resort quote. Would you spend that much on the food and drinks you will use?
Do all-inclusive resorts charge for water sports?
Some do, so compare the actual gear and trips. A kayak you use from shore is different from a guided boat outing. At Bolongo Bay, the listed beach gear is for all guests. Do not count it as an extra saving from the meal plan.
If your other hotel charges for watersport rentals, include that cost in your sums. Use the same approach for a workout room or beach chairs. Value only the amenities you will use. You may want a quiet Caribbean week with few extras, and that is a sound reason to keep the package simple.
Beach plans for a Virgin Islands vacation
A beautiful beach may still be a poor fit for you. How do you get into the water? Is the shore rocky? Parents may care most about a short route back to the room. Plan for pool days if the sea is rough.
Check that snorkel gear fits, and ask staff where to go. Ask for help if you are new to it. A list of water sports does not promise calm waters each day. Weather and local rules still apply.
Think about beach frontage, too. Do you want long walks on the sand, or a short route to a chair? A wide view of turquoise waters does not show how much shore you can walk. For a Caribbean beach break, photos taken from ground level often tell you more than shots from above.
St. John and Virgin Islands National Park
St. John is a strong draw if you want beach days and walks in nature. Virgin Islands National Park covers about two-thirds of the island. It has white-sand beaches, reefs, and trails to historic sites. That is a different reason to choose an island than a hotel meal plan.
A St. John day trip from St. Thomas needs time. Allow for the ride to the ferry, the crossing, and travel on St. John. Leave time to get back. If you spend all day at Virgin Islands National Park, you may miss meals you paid for at the resort.
When a room-only resort is the better choice
Secret Harbour Beach Resort: kitchens instead of a meal plan
Secret Harbour Beach Resort says plainly that it is not all-inclusive. Its condos have full kitchens. You can cook, eat at the resort, or go out. That suits guests who want control over meals more than a prepaid food bill.
Secret Harbour includes the pool, fitness center, and tennis court with a stay. Water sports rentals and trips cost extra. Compare those charges with Bolongo's included beach gear. Do not treat a lower room price as the whole saving.
Secret Harbour Beach Resort is therefore an alternative to the two all-inclusive resorts above, not a third meal-plan choice. Look at it if you want more space and freedom to eat out. Choose Bolongo Bay or Carina Bay if having meals paid for is the point of your trip.
Our Buoy Haus versus Westin guide compares two St. Thomas stays with different beach and pool access. Our Ritz-Carlton review explains how Club Level can change the food budget without becoming a full all-inclusive plan.
Be careful with old Sugar Bay listings too. Historical meal plans are not proof of current bookings. Read our Sugar Bay resort status guide before relying on a past package or review.
Rooms and dining options: the final checks
At Bolongo Bay, the room choice changes the walk to the beach. Its 25 first-floor beachfront rooms open toward the sand. The 40 ocean-view rooms sit on the second and third floors, with stairs to the beach. Choose between a raised balcony view and fewer steps, not just two prices.
Bolongo Bay lists king beds and rooms with two queen beds. The two-queen rooms can sleep up to four guests. Check the bed type on your booking, especially with children. All-inclusive resorts still have room limits; a meal plan does not add another bed.
At Carina Bay, check the room location as carefully as the all-inclusive price. If you do not want to cross the road or climb stairs, tell the hotel before paying. The lowest nightly price is useful only if the room works for you.
Match dining options to your habits. Will the kids eat from the menu? Can the chef cater for allergies? Is breakfast early enough for your boat trip? Good food matters, but so do meal times that fit your day.
For a Virgin Islands honeymoon, price the extras. A private beach dinner or special bottle may cost more. Do not assume fine dining or spa visits are part of the plan. Leave some money for a day out or a meal you spot along the way.
Which US Virgin Islands all-inclusive resort would I choose?
For a first shortlist, I would start with Bolongo Bay Beach Resort if the group includes children or wants St. Thomas. Its small scale and clear menu-based meal plan make the choice easy to understand.
I would look at Carina Bay if everyone is an adult and St. Croix is the island we want. I would check the current beach conditions, dining schedule, and room location before paying.
Keep the shortlist small. Compare these US Virgin Islands all-inclusive resorts on the same dates, with the same guest count and refund terms. Then choose the Caribbean island you want to spend time on. The meal plan should support that trip.