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Are there any cons to paying off one's cruise early for RCCL, before the 90 days? We are 296 days out and can zero it out, just wondering if there are reasons why I shouldn't. Cruise insurance, including cancel for any reason, is paid up to current value of trip. I recall on DCL, that it was best to zero out close to the 90 day mark, but can't remember what the reason was. ? Thanks for any advice.