Zuma is a great company with knowledgeable and friendly staff, a comfortable boat, and a cooler full of refreshing fruits and beer. My wife and I enjoyed the trip out to Tortuga Island, but seemed to have hit Montezuma when conditions were not very great for snorkeling. There was an active red tide event that we swam in at one of 2 snorkeling locations which was weird to swim in (still need to look up if you can get sick by ingesting harmful algal bloom water). I'm a fish biologist, so was easily satisfied by swimming with some damselfish, hawkfish,wrasses, butterflyfish, and juvenile grey snappers. From the surface waters, visibility was at a minimum, you really could not see much, so it was only when I held my breath and dove down ~10ft or so that I could make out the fishes and enjoy the water.
One negative that should be advertised up front is that on Tortuga Island, it costs money to do anything beyond swim or eat the provided lunch. Want to sit in a beach chair: $7, Want to hike the short nature walk: $5, rent a kayak or jetski: $$. We did the nature walk and enjoyed it, but were surprised that every thing had a price tag when you got to the island. Be prepared.
There was a friendly peccary that we pet for free on the island - very adorable.
Overall, I'm glad we went out and saw the island, but probably would have had as much fun exploring local trails and waterfalls in Montezuma. This trip cost $60/person for reference. Snorkel gear provided was rumored to be 'the best in the area', but it still fell short of what I would own personally. So if you have good gear, bring that.
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