BALCONETTE

So I would be able to text with someone back home, not just on the ship (strictly iphone to iphone)? Is there an extra charge from the provider for using wifi calling? Sorry, I'm still pretty new to smartphones.

I just found out that you can text iphone to iphone without cellular if you have wifi. Is that the same while onboard if you have the internet package? With no fees from provider?

We've already made our final payment on the cruise and it's in 3 weeks. I thought the travel agency had added insurance to our reservation, but it's no longer on there. Is it too late to purchase insurance?

Is it best to apply for a RC credit card on the ship or before? I see right now they have 25,000 bonus points when you apply online. Is it the same if you apply onboard?