VISIT FLORIDA — the state’s own tourism agency — publishes a roundup of Florida all-inclusive resorts. It was written in March 2021, names four entries, and two of those four are not all-inclusive at all: Ritz-Carlton Club Level access and a Walt Disney World dining plan. It does not mention either of the two Florida properties where all-inclusive is genuinely the rate model.
That is the state of the information on this topic. Below is the version built from what the resorts publish themselves — which properties actually sell all-inclusive, exactly what the rate covers, what it does not, and the taxes and fees that land on top.
Florida has two true all-inclusive resorts
Not seven, not fifteen. Two properties where the inclusive rate is the product, plus two or three more that sell a real optional all-inclusive package on top of a normal room rate.
voco Sandpiper All-Inclusive Resort — Port St. Lucie
The newest and the biggest. It opened in January 2026 on the site of the former Club Med Sandpiper Bay, after a roughly $50 million transformation, with 335 rooms and suites on the St. Lucie River. It is IHG’s first all-inclusive property in the United States, operated by Aimbridge Hospitality’s all-inclusive division.
Included, per IHG’s own FAQ: accommodation; all daily meals, snacks and non-alcoholic drinks; “a curated selection of beer, wine, and cocktails”; pool and fitness access; daily activities for all ages; scheduled entertainment; non-motorised water sports.
Not included: specialty or top-shelf spirits (“premium spirits may cost extra”), spa treatments, retail, transportation, select excursions, motorised water sports, premium dining, parking at $15 a day, and pets at $75 a night for one dog or $100 for two. There is no resort or destination fee.
It is firmly family-oriented — a renovated family pool with a new kids’ splash pad, an arcade and mini golf — with a separate adults-only infinity pool. Children are included in the all-inclusive experience, though some age-specific programmes may cost extra. One honest caveat: the dining line-up is still phasing in. The resort’s own site names seven venues, but IHG’s amenities list currently shows three on-site restaurants with two more marked “coming soon.”
Bungalows Key Largo — adults only, 21 and over
The Florida Keys’ first all-inclusive resort, opened in January 2019 with 135 private bungalows on 12 acres. Its inclusions are the most generous of any American all-inclusive:
All meals including fine dining; unlimited dining at five restaurants; welcome drinks; poolside and beachside dining; top-shelf spirits, sommelier-selected wines by the glass and all beer — local craft, domestic, imported and seltzers; wine, beer and spirits tastings; two pools with jacuzzis and two beaches; poolside and beachside cabanas; kayaks, paddleboards, a water trike and snorkel gear; group yoga and a fitness hut with Peloton bikes; cruiser bikes; day and night entertainment; 24-hour guest services; valet parking; daily housekeeping and nightly turndown; and in-town transportation within a five-mile radius.
The property’s own comparison table lists the resort fee as “N/A.” Extras are narrow: premium bottles off a separate wine and liquor list, and an added fee at Bogie & Bacall’s per two-person reservation on stays under four nights. Gratuities are at the guest’s discretion. Spa treatments are not stated to be included, so assume they are not.
One widely repeated claim to set aside: Bungalows Key Largo is often called the only adults-only all-inclusive in the continental United States. The resort itself does not make that claim — its own framing is “Florida’s Adult Only All-Inclusive Resort in the Florida Keys” — and Triple Creek Ranch in Montana is an adults-only, alcohol-inclusive all-inclusive in the continental US.
The optional packages — where the published prices actually are
Three Florida resorts sell genuine all-inclusive packages as an add-on. Two of them publish real per-person numbers, which makes them unusually easy to compare.
Isla Bella Beach Resort, Marathon
Isla Bella is not an all-inclusive resort, but it sells two all-inclusive dining packages with prices stated in plain text on its own site:
| Package | Published price | What it covers |
|---|---|---|
| All-Inclusive Dining Package | $188 per person per day | Three meals daily (appetiser, entrée, sides, dessert), unlimited snacks, soft drinks, coffee and non-alcoholic drinks. Tax and tip included. No alcohol. |
| All-Inclusive Dining + Bar Package (21+) | $341 per person per day | Everything above plus unlimited select beer, wine by the glass and mixed drinks from a curated spirits list. Drinks served one at a time; shots and bottle service excluded. |
The terms matter. The package is optional but must be purchased for every night of the stay, and every guest aged three and up in the party must have one. Guests under 21 are automatically placed on the dining package. It runs from 4pm on arrival day to 11am on departure, applies at Mahina, the Beach Bar and Sushi Cabana, and excludes The Marketplace, in-room dining and takeaway. The resort has 199 rooms on 24 oceanfront acres, a minimum check-in age of 21, and a $47 per day resort fee plus tax on top.
The Reach Key West, Curio Collection by Hilton
Its all-inclusive package covers daily breakfast, lunch and a three-course dinner at Four Marlins Oceanfront Dining, unlimited select cocktails, beer and wine, unlimited soft drinks, live oceanfront entertainment and beach access. Dine-in only — food cannot be taken away — and wristbands must be worn at all times, with a $150 replacement charge. The package is optional but all-or-nothing per room: every occupant must buy it. Published additional-occupant rates are $150 per night for guests 21 and over and $60 per night for guests under 21.
Sirata St. Pete Beach
Sirata has historically sold an all-inclusive package covering room, three meals a day, well-brand cocktails (premium extra) and fountain drinks on a four-night minimum. The resort’s own site is closed to automated checking, so treat this as a phone call to make rather than a booking to assume.
The traps: what is listed as all-inclusive but isn’t
The best single piece of evidence that the listicles are wrong comes from Marriott. The page for Paradise by Sirene, the adults-only 21+ tower at JW Marriott Marco Island, carries “Enjoy an All-Inclusive experience in Marco Island” in its metadata — while the body of the same page describes a complimentary enhanced continental breakfast, beach butler service, champagne check-in and a $100 nightly resort credit usable toward dining, spa or golf. The beach menu is explicitly “for purchase.” A $100 credit toward three categories is the opposite of all-inclusive, and that metadata line is very likely the origin of half the Marco Island entries you will find elsewhere.
| Property | All-inclusive? | What its own site says |
|---|---|---|
| voco Sandpiper, Port St. Lucie | Yes | Beer, wine, cocktails included; premium spirits extra |
| Bungalows Key Largo | Yes | Top-shelf spirits, all beer, five restaurants; resort fee “N/A” |
| Isla Bella, Marathon | Optional package | $188 or $341 per person per day |
| The Reach Key West | Optional package | All room occupants must purchase |
| Little Palm Island | No | “Not all-inclusive. Food, beverages, and spa treatments are extra.” |
| Sunset Key Cottages | No | Only full-resort buyouts are all-inclusive |
| JW Marriott Marco Island | No | $100 nightly credit; beach menu “for purchase” |
| Hyatt Regency Coconut Point | No | Property representative: “We are not an all-inclusive resort” |
| Cheeca Lodge, Islamorada | No | Promotions are percentage discounts only |
| Hawks Cay, Duck Key | No | Resort-fee model; gratuities not included |
| Baker’s Cay, Key Largo | No | Credit-based offers: breakfast plus a $200 F&B credit |
| Sandpearl / Opal Sands, Clearwater | No | $35/day resort fee; dining charged separately |
| South Seas, Captiva | No | Maintains a “Resort Fee Inclusions” page |
| Streamsong | No | Publishes green fees only; no meal inclusions |
| Westgate River Ranch | No | Packages bundle bourbon, s’mores and park admission — never called all-inclusive |
Little Palm Island deserves its own line, because it is the most-listed and most-misdescribed. Its own information page states it is “Not all-inclusive” and that “Food, beverages, and spa treatments are extra.” The rate includes complimentary water activities, beach service, a non-alcoholic minibar and turndown. It is a 30-suite private island, adults only, reachable only by boat or seaplane, reopened in March 2020 after a $34 million rebuild following Hurricane Irma — and it adds a 15% resort fee, 22% gratuity on food and beverage and a 22% spa service charge. It is one of the finest hotels in Florida and it holds three MICHELIN Keys. It is simply not an all-inclusive.
No Florida all-inclusive holds a top credential
Florida has thirteen AAA Five Diamond hotels for 2026 — among them The Ritz-Carlton Naples (Five Diamond since 1987), Four Seasons Resort Palm Beach, The Setai Miami Beach, Acqualina, Conrad Orlando and The St. Regis Longboat Key. None is all-inclusive. None of Florida’s three AAA Five Diamond restaurants sits in an all-inclusive either.
MICHELIN Keys tell the same story: the only Florida Key hotel with any all-inclusive association is Little Palm Island, and Little Palm Island is explicitly not all-inclusive. Among Forbes Travel Guide’s 2026 Florida Five-Star winners — Yacht Club at The Boca Raton, The Ritz-Carlton Orlando Grande Lakes, Four Seasons Resort Palm Beach — there is again no all-inclusive. Little Palm Island’s own awards page claims Forbes “Recommended,” not a star rating.
If you want a credentialed Florida luxury hotel, you are not booking an all-inclusive. If you want an all-inclusive, you are trading the credential for the simplicity.
Taxes and fees: the numbers to budget
Florida charges 6% state sales tax on transient rentals of six months or less, plus a county discretionary sales surtax, plus a county tourist development tax. The combined figure for the Keys is the one most often quoted wrongly.
| County | State | Surtax | Tourist development tax | Total |
|---|---|---|---|---|
| Monroe (the Keys) | 6% | 1.5% | 5% | 12.5% |
| Miami-Dade (general) | 6% | 1% | 6% | 13% |
| — Miami Beach | 6% | 1% | 7% | 14% |
| — Surfside / Bal Harbour | 6% | 1% | 4% | 11% |
| St. Lucie | 6% | 1% | 5% | 12% |
| Lee | 6% | 0.5% | 5% | 11.5% |
| Collier | 6% | — | 5% | 11% |
| Pinellas | 6% | 1% | 6% | 13% |
| Orange | 6% | 0.5% | 6% | 12.5% |
Monroe County’s 12.5% is confirmed three ways: the Monroe County Tax Collector describes a 5% tourist development tax “in addition to the 7.5% State of Florida Sales and Use Tax”; the Department of Revenue’s own component forms add to the same figure; and Cheeca Lodge’s FAQ states its resort fee is “$73.13 per day, with the 12.5% tax already built into that amount” — which is exactly $65.00 × 1.125. A Keys hotel’s own arithmetic settles it. Note that Collier County has a proposed increase from 5% to 6% that would require a voter referendum and, if approved, take effect 1 January 2027.
Resort fees, taken from the hotels’ own pages:
| Property | Published fee |
|---|---|
| Sunset Key Cottages, Key West | $250 per day |
| Cheeca Lodge, Islamorada | $73.13 per day (tax included) |
| Isla Bella, Marathon | $47 per day plus tax |
| Sandpearl, Clearwater Beach | $35 per day ($50 for two-bedroom suites); valet required at $40 + tax |
| Opal Sands, Clearwater Beach | $35 per day |
| Little Palm Island | 15% of the suite rate, plus 22% F&B gratuity and 22% spa charge |
| voco Sandpiper | None — parking $15/day |
| Bungalows Key Largo | None — listed as “N/A” |
That last pair is the strongest practical argument for Florida’s two real all-inclusives: a $250-a-day resort fee at a non-inclusive property can exceed the entire premium of an inclusive rate elsewhere.
When to go, and the storm question
The Atlantic hurricane season runs 1 June to 30 November, peaking on 10 September, with most activity between mid-August and mid-October. NOAA’s May 2026 outlook called for a below-normal season: 8–14 named storms, 3–6 hurricanes and 1–3 major hurricanes, with a 55% chance of a below-normal year.
Key West’s climate normals line up almost exactly with that risk curve — its wettest month is September, the same month as the hurricane peak.
| Month | Key West avg high (°F) | Key West precip (in) | Miami precip (in) |
|---|---|---|---|
| January | 75.8 | 1.83 — driest | 1.83 — driest |
| February | 77.4 | 1.54 | 2.15 |
| March | 79.6 | 1.53 | 2.46 |
| April | 82.6 | 2.07 | 3.36 |
| May | 85.9 | 3.12 | 6.32 |
| June | 88.7 | 4.23 | 10.51 — wettest |
| July | 90.2 | 3.63 | 7.36 |
| August | 90.6 | 5.37 | 9.58 |
| September | 89.0 | 7.24 — wettest | 10.22 |
| October | 85.8 | 5.67 | 7.65 |
| November | 81.0 | 2.05 | 3.53 |
| December | 77.7 | 2.16 | 2.44 |
Figures are NOAA NCEI 1991–2020 US Climate Normals for Key West International and Miami International. A quirk worth knowing: Key West’s March is drier than its January.
Southwest Florida’s recovery, briefly
If you are considering Captiva or Sanibel, the picture has genuinely moved on. South Seas on Captiva reopened in phases from July 2023 and held its official reopening on 22 May 2025, with recovery work continuing. The Beach House Restaurant opened in October 2025; a new short golf course, Provisions, Redfish Grill and South Seas Spirits have all arrived since Hurricane Ian. The resort acquired a 22-acre former Robert Rauschenberg Foundation property in April 2026. Its Captiva Landing leisure hub has carried a “closed for enhancements” notice, so check before you build a trip around it. On Sanibel, Sundial Beach Resort is taking reservations again and new properties — Shalimar Beach Resort, White Pelican Villas — have opened or are opening.
Frequently asked questions
Are there all-inclusive resorts in Florida?
Two, where all-inclusive is the rate model: voco Sandpiper All-Inclusive Resort in Port St. Lucie and Bungalows Key Largo. Isla Bella in Marathon and The Reach Key West sell genuine all-inclusive packages as an optional add-on.
What is the only adults-only all-inclusive in Florida?
Bungalows Key Largo, for guests 21 and over. It describes itself as “Florida’s Adult Only All-Inclusive Resort in the Florida Keys” — a Florida-level claim, not a national one.
Is Little Palm Island all-inclusive?
No. Its own site states “Not all-inclusive. Food, beverages, and spa treatments are extra,” and it adds a 15% resort fee plus 22% gratuity on food and beverage.
How much is the all-inclusive package at Isla Bella?
$188 per person per day without alcohol, or $341 per person per day with select beer, wine and mixed drinks. Tax and tip are included. It must be bought for every night, and every guest aged three and up in the party must have one.
What is the hotel tax in the Florida Keys?
12.5% in Monroe County — 6% state sales tax, a 1.5% county discretionary surtax and a 5% tourist development tax. Resort fees are charged on top and are taxed too.
Is Club Med still in Florida?
No. Club Med left Sandpiper Bay in September 2022. The site now operates as voco Sandpiper All-Inclusive Resort, which opened in January 2026 under IHG.
When is the best time to visit the Florida Keys?
January through April: warm, dry and entirely outside hurricane season. January is the driest month in both Key West and Miami, and Key West’s March is drier still. Avoid September if you can — it is both the wettest month in Key West and the climatological peak of the Atlantic hurricane season.
Related reading: Little Palm Island Resort & Spa, the best luxury hotels in Miami, Conrad Orlando at Evermore Resort and the best honeymoon destinations in the USA.
Image: a Key Largo marina at dusk — photograph by Baron Maddock, licensed CC BY 4.0 via Wikimedia Commons.
