My husband and I got VERY lucky on our cruise 3 weeks ago to the East Caribbean, and so I am going to pass on some very valuable tips....
Besides your ship ID card (which you need to get OFF the ship to begin with), ALWAYS have a back-up piece of identification (preferably a photocopy of your passport) with you. And...ALWAYS keep this back-up photo ID in a separate place from where your Ship ID card is.
Here's the story...after an RCI-sponsored excursion in St. Maarten, my hubby and I got back to the pier, and realized he did NOT have his wallet. He had been snorkeling, and had given me his wallet to keep while I lounged on the beach. We don't know where it disappeared, or how...I DID leave my bag unattended for a few moments while I used the beach facilities. Anyway, he did not have his Driver's License or his Ship ID card. Fortunately, before the cruise, I had taken our passports up to Office Depot and had them not only copied, but laminated, as well. I kept the original passports in our safe on the ship; I gave MY laminated copy of my passport to my husband to keep in his billfold, while HIS copy was kept in MY billfold.
So, when we got back to the pier, sans billfold with his Ship ID, I showed Security his laminted passport copy that I still had with MY belongings, and we had no problems getting back on the ship. Because we each carried DIFFERENT credit cards, we still had the credit card I was carrying to use for the remainder of the trip, since we had to cancel the credit card he had lost.
AND...most importantly....thank GOD we had our passports, or he would not have gotten past security at the airport...remember, his driver's license was gone. He would otherwise have had NO photo ID!!!! The passport allowed him to breeze past security with no questions asked; if we had not had the passports, he would have been visiting the consulate in Puerto Rico, I'm sure...!
So....DON'T: 1. carry more cash or credit cards than you will need
2. carry ALL of your ID's in the same place (DO spread them out between your group)
3. leave your bags unattended, even for a minute
DO: 1. have a photocopy of your passport with you OFF of the ship, & carry each other's
2. Have 2 different credit cards, but each of you should only have ONE of them
BTW...Royal Caribbean called last week, and said the wallet had been found (minus the cash, of course!) and they are mailing it back to us.