Peppwave

"Reef safe" or "Reef friendly" are not terms that have regulations behind them.  So theoretically, any company could tag that on any product without issues, even if they did contain supposed harmful chemicals.  The truth is there has not been enough real-world studies to determine the harmful effects of chemicals in sunscreen.  The truth is utilizing sunscreens that don't have the proper chemical balance to protect against UV-A and UV-B rays can have a serious negative effect on your health. 
An interesting fact is that many mineral based sunscreens contain titanium dioxide as an active ingredient which has been shown to produce hydrogen peroxide in the water which also can have negative effects on marine life in higher concentrations.  Also, mineral based sunscreens have been tested and frequently proven to be less effective at sun protection than conventional sunscreen, even if the SPF ratings say otherwise.
It does seem that the consensus is oxybenzone and octinoxate appear to have the most negative effects and if you want to watch out for the environment, get sunscreen that doesn't contain those chemicals until more research has been conducted.  There's a huge amount of sunscreen brands that don't have those chemicals, but don't advertise as reef safe. 
There's a lot of misinformation out there on this subject, so make sure to stay informed.  Here's a great article by Consumer Reports on this subject:
https://www.consumerreports.org/sunscreen/the-truth-about-reef-safe-sunscreen-a3578637894/

Why wouldn't you want reef safe sunscreen?  Better for your skin as well as for the environment.  Most mineral sunscreens are biodegradable and reef safe.  I love Bare Republic mineral sunscreen sprays.  They don't leave a white film like some mineral sunscreens do.  You can buy it at Target or Amazon.

I'm just saying they could check and for that reason we carry the "allowed" sunblock.  I don't want to have any hassle while I'm on vacation, much less when I'm away from my home country and have to deal with thier requirements.
 
I'm a "rule Follower" and I read all the documents, policies, and excursion notes and make sure I'm compliant.  In my opinion, I'll never have a hassle for following the documents.  This is how we cruise, but many others here will have differing opinions.  Not a big deal, i was just sharing how we do it.

While you will "probably" be ok, In my opinion, it's best to have the reef safe "in case" the excursion vendor checks your sunscreen when you pull it out of your bag to apply.  Of course, they can't check what you put on in your cabin before you arrive, but  once you are on the excursion, you may fall subject to rules, regulations, and fines in the other country.
 
For us, it's just easier to have it and use it and never have to think about it.

First, we called and it all worked out just fine.
But for those who want to get the Resident discount on multiple rooms, you have to apply the discount at the beginning of each room selection process.  I thought I only needed to list my state when I was first starting my search, but you need to check for discounts on each room you at reserving.

First, we called and it all worked out just fine.
But for those who want to get the Resident discount on multiple rooms, you have to apply the discount at the beginning of each room selection process.  I thought I only needed to list my state when I was first starting my search, but you need to check for discounts on each room you at reserving.

We’re going to call about changing rooms anyway, so we’ll ask about it then.  If they can’t do anything, we’ll just make separate reservations to ensure the discount.