For starters, you'll never be at a loss for something to do. If, for example, you and your kids play tennis or golf, or plan to rent water toys such as jet skis, you'll enjoy the extensive activities menu offered at an all-inclusive resort. Plus, at these family-oriented resorts, kids will have instant cohorts, giving parents some much-needed time to themselves. Also, most offer activity-oriented kids' programs geared to specific age groups at no extra cost (these can cost up to $50 per day at other resorts). Also factor in the exorbitant cost of eating out three times a day and you'll quickly see where you're saving money. Fun, sun and nice big meals cooked by someone else--who wouldn't love that?

For families who'd rather just relax than participate in high-end activities, however, an all-inclusive is probably overkill. And if your family thrives on more independent pursuits such as exploring off-the-beaten-path attractions, combing museums and trying a different restaurant every night, you're better off spending your money on more conventional accommodations. Also, if your kids don't seem to be interested in giving the children's clubs a try, then you may not get your money's worth in that area either.

Are these resorts really worth the money?

If you're planning a high-end vacation and your family likes to "do it all," you might save some money at an all-inclusive resort. Compared to a deluxe hotel, where you pay extra for meals, drinks, sports, equipment rentals, classes and children's activities, the all-inclusives usually come out ahead. For example, a seven-day vacation at The Breakers, Palm Beach's highly rated deluxe family resort, would exceed $4,600 for lodging, meals and children's clubs (without additional activities). Our all-inclusive price came to $3,300 for a comparable week, including Club Med membership and dues. We also found it reassuring to put our wallet away for a week and know what our total cost would be.

Is it really all-inclusive?

To avoid unpleasant surprises, read the fine print before booking. Some resorts host kids for free when sharing their parents' room while others charge reduced rates. Ask if any sports or activities cost extra, if you must pay for beverages between meals and if there are additional membership fees, dues, airport transfers, gratuities or hotel taxes. These questions will help avoid surprises later and, most importantly, ensure that your family has a good time.

Sharon Jaffe Dan is a freelance writer in Maryland.

Please keep in mind that phone numbers, addresses, and prices are subject to change. Updated August 2005.