I have to agree with those who recommended Victor Bodden tours. We used them in Jan for Isle Roatan and could not have been happier. Our guide was Frankie Thomas and he took us to the Beach Club. We spent several hours there and it was great. He also gave us a tour of the Isle and pointed out many interesting things. We just booked it when we walked off the ship at the Bodden booth. It was easy and very affordable.
In Cozumel we also did a VW dunebuggy tour. There were about 20 of us in the group who did this and had a ball. Booked this one through Shore Trips before we left home. Met some great folks from Alabama who were doing the tour for the 2nd time. Great tour, beaches, sites & food.
Enjoy your cruise.