Don't most cruise ships have phone services to call out? Sure they may be a little pricier but like you said you would only use it in an emergency.
Check with your cruise line and see what numbers you can give people back at home to contact you in an emergency.
Heck we had that type of phone service available in a little Russian ship down in the Antarctic, I'm sure the Caribbean is easy compared to that.
Or, take your cell down. Disable data while roaming and don't use it. Should have no charges (unless you keep getting texts).
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