Anegada, British Virgin Islands

More than 300 shipwrecks surround pancake-flat Anegada, but there's no need to dive for their booty when staying on this nine-mile-long British Virgin Island. That's because rooms at Neptune's Treasure have rock-bottom rates of $95 in the low season (April to December) and a whopping $15 more in the winter months. The nine color-splashed rooms are just 150 feet from the beach—one of many that attract sailors and BVI aficionados to this island, along with beaches named Loblolly Bay, Cow Wreck Bay, and Flash of Beauty. While you're busy visiting those, or snapping photos of the flamingos on a nearby pond, or just soaking in the sun, Neptune's staff is out catching fresh fish for dinner served—where else?—on the beach.

Fly Buy: It's awful pretty here, but not so easy to get to: We suggest Anegada for longer trips, as you'll have to fly from San Juan, Puerto Rico, to Tortola (flight fares start at $190 on Air Sunshine; 800-327-8900; www.airsunshine.com), and then catch the ferry to Anegada. It takes one hour and is $55 round-trip (340-775-7292; www.smithsferry.com).

Neptune's Treasure
Tel: 284 495 9439
Double rooms from $95