Water Cay is a tiny, palm-fringed island twenty minutes off Utila by boat, on the southern edge of the reef. The water is shallow and turquoise, the snorkelling is good, and there is a small bar that opens when a boat turns up. Day trips run from town and most dive shops will drop snorkellers there for the afternoon.
The neighbouring Pigeon and Suc-Suc cays, with their colourful stilt houses, are home to a small community of fishermen and are worth a slow walk through before the boat home.