Each cruise out of San Diego is "all-inclusive" to some degree. They all include your stateroom, standard dining, and entertainment. But some things are an extra fee. We'll spell out the details so you can get a better understanding.
A true all-inclusive cruise includes accommodations, meals, specialty restaurants, entertainment, shore excursions, soft drinks, coffee, alcoholic drinks and gratuities. Only a few of the highest luxury lines include all of this in the price of your fare.
Azamara cruises from San Diego are the closest to all-inclusive. They include select spirits, beers and wines; bottled water, soft drinks, specialty coffees and teas; gratuities; self-service laundry; concierge service; and your choice of four dining options. Suite passengers can dine in the two specialty restaurants at no extra charge. For all other guests, there is a fee to dine in the specialty restaurants.
Oceania cruises from San Diego are close to all-inclusive too. They include dining at every restaurant onboard; there is never an additional charge for dining. 24-hour room service dining is free too. Also included are unlimited soft drinks, bottled water, specialty coffees, teas and juices. Alcoholic drinks can be purchased with a beverage package.
Holland America cruises from San Diego are on premium cruise ships but don't include as much as the luxury lines. The fare includes meals in the Main Dining Room, Lido Restaurant, and Terrace Grill; movies; live shows; nightclub; Late Night disco; and Club HAL for children 3 to 17 years. Some culinary lessons and classes in the gym charge an additional fee. Typical extra expenses are beverages, specialty restaurants, optional shore excursions, gratuities and services such as spa treatments.
Celebrity cruises from San Diego are another premium line. They include your stateroom, multiple dining options, pools, fitness center, entertainment and children's clubs. Not included: specialty restaurants, shore excursions, drinks, laundry, spa treatments, shopping, internet, gratuities.
Disney cruises from San Diego have a slightly different list of what's included: stateroom; meals; snacks and ice cream; soft drinks at meals and at the beverage station; Disney character meet & greets; live shows; deck parties; youth clubs; and movies. Not included: shore excursions, spa and salon services, babysitting, photography service, phone calls, video games, alcoholic beverages, and the adults-only specialty restaurant.
Remember that on all ships you are in control of any additional charges. You can have a perfectly fine time without spending much extra. Take advantage of all of the free things to do.