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Bahama Out Island/Turks /Cozumel

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Help! My ideal would be beach lodging with walk in snorkeling. My second choice would be non beach lodging but several walk in snorkeling options on the island that we could access. We do not need fancy, simple is ok, clean is important, outdated is a bit depressing, rustic elegance would be heaven. We do not care about food, night life etc.

I am looking at Turks and Caicos. I understand that several hotels are built on a beach with a reef. Which hotels are closest? There are several air and hotel packages on Expedia but I am not sure if they are close to snorkeling or how nice they are. I am picturing 7 Mile Beach when I read about Turks. Do I have that right? That would not usually be a preference to stay in a big hotel zone but if it were a nice one and with great snorkeling right out front maybe it would work. Also, is there other walk in snorkeling on the island?

I am also looking at Bahama Out Islands. There are several hotels that offer free flights from Nassau. Does anyone know which of these options would be the best for snorkeling at the hotel and which island overall would have good snorkeling options? Our last vacation was to Eleuthera and we loved it. Another Out Island would be my top choice if we could find the snorkeling and fit the budget.

Also looking at Cozumel air/hotel packages on Expedia. There are several choices in my price range and I am overwhelmed and unsure about Cozumel in general. I have heard of great shore snorkeling but it sounds really crowded and touristy. Again, we loved Eleuthera. The more fish and fewer people the happier we are. But maybe the snorkeling is worth it?

I am open to other ideas. My budget is $2000 (maybe up to $2500) for two flights from MCI and lodging, since we will have two travel days I would hope for seven nights, low season (late June) I know I am asking a lot and may need to compromise somewhere.

Thanks for suggestions. I usually love planning but this time I am a bit overwhelmed.
, probably due to the budget. sigh :)

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