The turtle farm is ok if you understand before getting there that they do in fact serve turtle stew and other food items there. I guess I was naive in thinking that since they talked a lot about rehabilitating and saving sea turtles, that they wouldnt be cooking them. I dont know how kids take that...?? We did get to pick up and hold a sea turtle, that was a few years ago, dont know if they still let you do that.
As for the original question, I can only comment on Grand Cayman and Cozumel so far (stopping in Belize on my next cruise). As everyone has said, the sting rays are a Must Do in Cayman, I enjoyed this much more that the island highlights tour. In Cozumel, we have tendered over to the main land for the Tulum ruins, great tour, ROUGH tender ride. Many, many people were sick all day from it. It might not always be that bad, I dont know. Last time in Cozumel, we rented a jeep and drove around the entire island ourselves. That was nice. Snorkled (sorry I dont remember where, but we saw several of the mentioned places), saw the San Gervasio ruins in the center of the island, the light house at the south end which is in a national park I believe (there is a fee to enter).
There are so many options, hard to choose! Good luck and have a great time!