For your 2026 cruise, the short answer is no, you do not need to pack your own beach towels. Almost all major cruise lines (such as Royal Caribbean, Carnival, and Disney) provide high-quality pool towels for free. You can typically pick these up on the pool deck or find them already placed in your stateroom. Crucially, you are also permitted to take these ship-provided towels with you when you disembark for shore excursions at various ports of call or private islands. The only "catch" is that you must return them to the ship; many lines use a "checkout" system via your room key, and failing to return a towel can result in a replacement fee of $20 to $25 per towel being charged to your onboard account. Packing your own would only take up valuable suitcase space that is better used for formal wear or souvenirs.