I recommend you set up wi-fi calling to work all the time - even when you're in the US. Don't wait until you're on a cruise. When I have both cell and wi-fi available, it chooses the best connection. My neighborhood does not have good cell coverage, so many of my neighbors complain that their phones don't work very well at home. Mine never has a problem, since it automatically uses wi-fi when the cell signal is not adequate.
When you get on the ship, it is best to put your phone into airplane mode. Then turn on wifi. Don't turn airplane mode off unless you are in a port covered by your plan. Personally, I leave airplane mode on unless I'm in a US port, since my cell plan covers US only. Wi-fi works fine in airplane mode. You do need to turn wi-fi back on after turning airplane mode on.