A few days ago we gave a couple of retired neighbors a ride to the airport, as they were flying to the Pacific Coast to catch a cruise. They told us that they spend almost half of their time sailing on large cruise ships with climbing walls, swimming pools and all kinds of amenities and entertainment. They don’t care where the ship sails, where it stops.
What only counts for them is getting a good (cheap) deal, so anything goes as long as they’re housed and fed. Even though they’re rich they’re also extremely cheap. We could wonder if that practice is widespread, but after searching a bit, I found out that it’s more common than we think.Among retirees with sufficient income, spending months each year on cruise ships has become a legitimate lifestyle. While our neighbors' "almost half the year" sounds extraordinary, it’s far from unique. There are even people who live aboard cruise ships year-round. Several factors have made this possible, starting with available time.
Once retired, many people no longer need to fit travel into two or three weeks of vacation and cruises can be surprisingly cost-effective. If someone books long voyages, lives in an inexpensive home, and takes advantage of loyalty discounts, the daily cost may compare favorably with maintaining a house and paying separately for hotels, restaurants, entertainment, and transportation.
Everything is included. Meals, housekeeping, shows, pools, fitness centers, organized activities, and transportation from port to port are all bundled together. They also meet the same people repeatedly. Frequent cruisers often develop a circle of friends and even coordinate future voyages together. In addition medical services are available.
Care on cruise ships meets basic standards for stabilization and minor illnesses, but it’s not free, nor cheap, and not directly covered by US Medicare in international waters. Patients are required to pay out of pocket upfront for all onboard medical services, and Medicare will only reimburse you if the ship is in a US port or no more than six hours away from one. While these services are not substitutes for hospitals, they provide reassurance for older travelers.
Now, how common is that practice? Of course, the vast majority of retirees do not spend months at sea, but avid cruisers spending 60–120 nights a year aboard is fairly common. Spending 150–200 nights annually, like our neighbors, is uncommon but certainly not rare within cruise enthusiast communities.
Tomorrow, we’ll see some other aspects of this lifestyle, so if you want to know, stay tuned!






