We also emailed Royal- they specifically said it is the tour operator that sets the age limit to us. We all know this is not true since you can book the same tour operator on your own with zero age restrictions (see: Rio Secreto and others). You can also book on another cruise line with the age restriction. The only logic at all is that this circles back to Royal Caribbean. They are setting the age. But if it is based on RCL insurance, then why, as we are saying, can people do much higher risk activities in certain ports, but not, Cozumel for example? I mean, really- you cannot visit a Mayan Ruin?