A membership is the only piece of gear that pays you back every trip. One night of free camping or one avoided tow covers most of what these clubs cost for a year — and unlike a battery or an awning, you carry it in your phone.
PROTECTION & COVERAGE GAPS — what your policy will not do, and what it already includes →Start here
Five memberships worth owning, what each one actually gets you, and the point at which it has paid for itself. Sign up directly from any card.
Harvest Hosts
OVERNIGHT STAYS · 9,700+ LOCATIONS · SELF-CONTAINED RIGS
About 6,000 host businesses — wineries, working farms, breweries, distilleries and small museums — let self-contained RVs stay overnight with no site fee. Step up a tier and roughly 3,300 private-property driveways and 350+ golf courses come with it.
- No site fee at any host — you support the business instead
- Classic $99/yr · +Boondockers $169 · All Access $179 (Aug 2026)
- All Access bundles an Escapees membership
- Two or three replaced campground nights covers the Classic fee
PAYS FOR ITSELF WHEN → You replace 2-3 paid campground nights a year
Good Sam Club
DISCOUNTS · 2,000+ PARKS · ROADSIDE SOLD SEPARATELY
The best-known name in RVing, and essentially a discount card: a members rate at 2,000+ parks across the US and Canada, plus fuel and Camping World savings. Its roadside assistance and TravelAssist plans are sold separately.
- Members rate at 2,000+ parks in the US and Canada
- Fuel and Camping World savings stack on top
- Roadside and TravelAssist available as add-ons
- Strongest if you stay in commercial parks
PAYS FOR ITSELF WHEN → You stay in participating parks most weekends
Escapees RV Club
COMMUNITY · MAIL FORWARDING · FULL-TIMERS
The full-timer club. Park discounts are real but secondary — people join for mail forwarding, a domicile address, and a community that has already solved the problem you are about to have. Note that Harvest Hosts bundles Escapees into its All Access tier.
- Mail forwarding and a legal domicile address
- Full-time RVer community and education
- Included with Harvest Hosts All Access
- Discount network at member parks
PAYS FOR ITSELF WHEN → You live in the rig rather than vacation in it
BoatUS
MARINE TOWING · ON-WATER ASSISTANCE · TRAILER COVER
The water equivalent of roadside assistance, and the one boaters wish they had bought the day before they needed it. Unlimited-tow tiers cover the soft grounding, the dead battery and the out-of-fuel drift that otherwise arrive as a four-figure invoice.
- On-water towing, soft ungrounding and jump starts
- Trailer assist options for the ramp and the road
- Discounts on fuel, repairs and marina services
- One tow typically costs more than years of dues
PAYS FOR ITSELF WHEN → The first time you need a tow off the water
Sea Tow
MARINE TOWING · 24/7 DISPATCH · CAPTAIN NETWORK
The other major on-water assistance network, run through local captains who know their own waters. Coverage and captain availability differ by region, so the honest advice is to check which network actually has boats where you launch.
- 24/7 dispatch through local captain franchises
- Towing, jump starts, fuel delivery and ungrounding
- Coverage strength varies by region — check yours
- Compare captain density against BoatUS locally
PAYS FOR ITSELF WHEN → You boat regularly in a region it covers well
Protection: the gap between your policy and the shoulder
Insurance pays for damage. Assistance pays to get you moving again. The expensive mistakes happen in the space between them — a tow capped at a mileage your rig cannot use, a grounding that turns out to be salvage rather than towing, or a club you are already paying for inside a policy you never read.
RV & Trailer
TOW LIMITS · RIG-RATED SERVICE · DOUBLE-PAID CLUBS
The tow that matters is the one to a shop that can physically take your rig. Check the mileage cap on your declarations page, and whether your policy already bundles a club or roadside tier before you buy another one.
Check my RV coverage gaps →
Boat & Marine
TOWING VS SALVAGE · UNGROUNDING · TRAILER COVER
One ungrounding off a sandbar can run into four figures, and much of it is billed as salvage rather than towing — which many policies treat completely differently. Know which word your wording uses before you need it.
Check my boat coverage gaps →Before you buy: what your policy already does
The most common mistake on this page is buying cover you already own. Insurance and assistance are two different products, and people assume the first includes the second.
| Situation | Insurance | Assistance membership |
|---|---|---|
| Collision, hail, fire, theft | Yes — this is what a policy is for | No |
| You hurt someone or their property | Yes — liability | No |
| Dead battery, lockout, out of fuel | Sometimes, if roadside is on the policy | Yes |
| Tow to a shop that can take a 40-footer | Often capped by distance, not by need | Yes on RV-rated plans |
| Blown tire on a dual-axle trailer | Usually a call-out, not a fix | Yes on RV-rated plans |
| Soft grounding or dead boat on the water | Often salvage, not towing — read the wording | Yes on marine plans |
The three-minute check that saves the most money
DO THIS BEFORE YOU JOIN ANYTHING
- Open your declarations page and look for roadside, towing or emergency service
- If it is there, find the limit — a dollar cap, a mileage cap, or a number of call-outs per year. That number is the whole story
- Check whether the limit is written for a car. A tow rated for a sedan does not move a fifth wheel, and you find that out on the shoulder
- On the water, look for the difference between towing and salvage. They are priced and covered differently, and a grounding is often the second one
- Some RV policies bundle a club or roadside tier. If yours does, you may already be paying for what is on this page — do not buy it twice
RULE OF THUMB → Insurance pays for damage. Assistance pays to get you moving.
We are not insurance agents and this is not advice about your policy — coverage differs by carrier, state and rig. The point of the checklist is to send you to your own declarations page before you spend anything.
All five, side by side
| Club | Built for | Core benefit | Pays for itself when |
|---|---|---|---|
| Harvest Hosts | Self-contained rigs that move often | Free overnight stays at 9,700+ hosts | 2-3 replaced campground nights |
| Good Sam | Commercial-park campers | Members rate at 2,000+ parks | You park at member parks most weekends |
| Escapees | Full-timers | Mail forwarding and domicile | You need a legal address on the road |
| BoatUS | Trailer-boaters and cruisers | On-water towing | The first tow off the water |
| Sea Tow | Boaters in covered regions | 24/7 local captain dispatch | The first ungrounding or fuel drop |
Membership pricing, benefits and coverage areas change. Prices shown were current in August 2026 — confirm the terms on the club site before you buy.
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