I am not sure if they will cover any longdistance costs of calls made from the ship; they will not cover the satellite charge (the $8/minute or whatever the cruise line charges for phone calls.) Your best opportunity to use the cards will be in the ports - but you need to make sure that the card you purchase will work in the ports where you want to use it.
I purchased one through a travel insurance company for a trip to Europe a few years ago, and have been happy with it - they have different rates for different countries, and the card is "reloadable," so I have kept it as a backup for any trip.
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