So this sounds like a typical cruise line customer service experience, call 3 times, get 3 different agents and 4 different responses.
I tried to do Due Diligence online. When you find the website with the details of your policy, to customize your agreement and the legal fine print you must pick a state. No provinces listed which is why I called to confirm what the website told me, no Canadian coverage. So not going to take a chance on what someone on the phone who may have worked for Carnival for 10 years or perhaps 10 days said. It's not in writing so I'm not taking the chance
Sorry, not trying to cause a problem here. Just stating what I was told