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These cruises allow you to set sail for the winter months but return to shore for the spring and summer. Medical facilities found on most cruise ships feature basic medical equipment used for treating basic medical emergencies in the short term, such as defibrillators, x-ray machines, and all sorts of medicine. A medical team consisting of at least one doctor and two nurses is on call 24/7. However, they typically are not set up to provide chronic medical care. The average person spends approximately $212 per day on a cruise ship, which includes boarding, food, and entertainment.
Medical considerations
But anyone who buys a cruise knows it’s not just the cruise fare you have to pay. That’s why we also factored in the taxes and port fees and the automatic gratuity. And remember, if you book a cruise cabin, it’s normally sold on the basis of double occupancy. But more than that, we find it more likely that someone retiring on a cruise ship would do so with a partner. Here’s an idea of what you might pay for a voyage on a mainstream cruise ship in the Caribbean. As a starting guide, expect to pay around $100 to $150 per person, per night for an interior cabin.
Preparing for Life on Board
Utopia is a luxury cruise ship that sells permanent residencies totaling 190 units, which range from 1,400 to 6,500 square feet. Luxury retail shops, spas and salons, and all sorts of luxury amenities are expected on board. Living on a cruise ship costs between $2,800 and $6,000 per month for most mainstream cruise lines, including drinks packages and WiFi. Luxury cruise lines can cost more, up to $40,000 per month for a typical suite. I’ve looked into some real-life examples of people who have lived on cruise ships, and there are some notable examples that prove it is a lifestyle within reach. It costs a similar amount to live on a cruise ship as it does in a house.
Cruise Fare/Taxes/Gratuities: $120,000+ Per Couple
In the UK, the average cost of living is £2,200 per month, equal to around $2,650, and in the US the average cost is $3,200. The cheapest way to live on a cruise ship would be to choose Life At Sea’s Three Year World cruise. They have the cheapest fares for long-term living, starting at $29,999 per person, per year and including everything you need.
What it costs
By limiting the amount spent on board, you can cut thousands off this estimated total. Just know that you’ll definitely need to open your wallet to live full-time in paradise. It may be better to have a post box somewhere that you visit regularly – essentially, set up a home port where you can visit medical services and pick up any mail that you need. The ship offers adventurous itineraries, visiting destinations around the world, with lectures, forums, discussions and field trips by leading academics preceding the destinations and expeditions. Njord by Ocean Residences is a planned superyacht due to launch in 2025, with a wide variety of luxury residences that you can buy.
Potential for seasickness
With that in mind, I’ve used 10 years as a guideline, comparing the price of buying a room on a residential ship for 10 years, against the cost of booking traditional cruises for the same time period. The company had originally announced a three-year itinerary on their ship MV Gemini, with all-inclusive fares starting at $29,999 per person, per year. At the time, this looked like one of the most affordable long-term options for anyone interested in living on a cruise ship. It’s better to choose a cruise ship designed for long-term living than one from a mainstream cruise line. Logistically, booking back-to-back cruises with a standard cruise line is often not possible and you may have to change rooms regularly or even switch ships. You don’t have to worry about cooking or cleaning the dishes, mowing the yard, or calling a plumber.
There’s no getting away from the fact that residential cruise ships are expensive. That’s because they’re more like luxury ships, and they’re very exclusive. The cost of buying an apartment on a residential cruise ship is between $1 million and $14 million. In theory, you could cruise on traditional cruise ships for around $35,000 per year, if you choose a basic cruise. In 2026, a company called Storylines is set to launch its first residential cruise ship called MV Narrative.
What kind of medical facilities are available on board residential cruise ships?

Imagine waking up to the gentle sway of the ocean, your only responsibility for the day being to explore new destinations and enjoy the luxuries of a floating paradise. Living on a cruise ship for a year may sound like a dream come true, but for those seeking adventure, relaxation, and a unique travel experience, it can become a reality. Retirement on a cruise ship is becoming increasingly popular; some ships like MS Utopia and MV Narrative even offer residences designed specifically for passengers who wish to make their home at sea. Taking these steps can help give you peace of mind and ensure that you are prepared for any healthcare situations that may arise during your cruise ship lifestyle. Experimenting with cruise ship living before making a long-term commitment allows you to make an informed decision about whether this lifestyle is right for you. Before fully committing to living on a cruise ship, it’s essential to test out this unique lifestyle.
Plan for your healthcare needs
“When we retired, we sold our house and started living full time on cruise ships” - Toronto Life
“When we retired, we sold our house and started living full time on cruise ships”.
Posted: Fri, 12 Jan 2024 08:00:00 GMT [source]
Depending on the level of luxury you choose, this can range from $150 to $450 per night. In addition to that, you’ll also have access to various amenities such as fitness centers, swimming pools, entertainment venues, and scheduled activities. When you pay for room and board on a cruise ship, your money covers the cost of your accommodation and meals. If privacy is essential to you, living on a cruise ship may require adjusting your expectations and finding creative ways to carve out personal space amidst the lively atmosphere. Limited privacy, potential for seasickness, and restricted living space are some of the drawbacks to consider when living on a cruise ship. Read on to learn more about these challenges and how to navigate them for an ultimate guide to cruise ship living.
When weighing the costs of health care, it’s important to think about your overall health. Having a serious medical condition or certain risk factors for developing one, for example, could increase your cost of care. Cruise Hive was established back in 2008 and among the earliest blogs in the industry. Since the start, it's been our aim to provide the latest cruise news covering all the major cruise lines. We make sure cruisers are fully prepared for their cruise vacation with tips on ships and ports.Millions of travelers rely on Cruise Hive in the United States, Europe, Australia, and around the world. If you’re planning to live on a cruise full-time, creating a schedule can help you fit into the cruising lifestyle.
This 3-year cruise around the world was going to cost passengers less than the average rent in NYC—now it's canceled - CNBC
This 3-year cruise around the world was going to cost passengers less than the average rent in NYC—now it's canceled.
Posted: Thu, 30 Nov 2023 08:00:00 GMT [source]
Cruise retirement doesn't rule that out, but it does make it a bit more complicated. It's hard to be the type of granny who can frequently babysit when you live on a cruise ship, potentially thousands of miles away from where the grands live. If your family wants to visit you, they'd have to pay for cruise fare for everyone. Thanks to the launch of The World cruise ship and other upcoming residence cruise ships, it’s becoming easier than ever to live permanently on a cruise ship.
Salcedo isn’t a retiree – he works on the ship, managing investments for various high-worth individuals. And he isn’t tied to a single ship – at the end of his cruises he will return to his condo in Miami for a few hours, before embarking on his next voyage, often flying to a different port to meet the ship. Of course, if you need to live in a care home, there’s a good chance you need a carer. If that carer’s responsibilities aren’t specialised – if a family member is capable of taking care of you – then you just need to pay for a second person to join you on a cruise.
Take advantage of short-term vacations or extended trips to get a taste of what it’s really like. Passengers living full-time on the MV Gemini cruise ship can enjoy a wide range of amenities and services at their disposal. For those who need to work remotely, there is a fully equipped business center with meeting rooms available. People living at sea can pay bills automatically from a credit card or checking account. Many U.S. property tax jurisdictions allow you to pay bills online to avoid mailing payments from overseas or remote locations.
Something else to keep in mind is the quality of care you could receive on a cruise ship. Ships are required to maintain medical staff on-call 24/7, including at least one physician. That’s reassuring for emergencies but if you have a non-life-threatening condition that requires specialized treatment, that may be more difficult to come by on the ship. Of course, if you decide to keep your home while living on a cruise ship, it would change those numbers. And even if you sell, you may have to account for other land-side expenses, such as storage for personal property or vehicles, or debts you may still be paying off.
If you have the ability to take a few weeks off here and there during the expensive times of year, it can lead to big savings. Be sure to join my email list for my best cruise tips and handpicked deals each week. But that can still work out to be cheaper than paying for a care home. Where I’ve placed an asterisk for annual costs – these aren’t published by Residences at Sea or Somnio Superyachts, so I’ve used the best estimate I can find. However, just as the ship was due to launch on her three-year itinerary in November 2023, the company cancelled the cruise after revealing they had not been able to secure a suitable ship. Not a lot is known about Somnio – the superyacht is still cloaked in mystery, and details are only available to those invited to apply for a residence onboard.
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