If you do end up in the BVI the snorkeling is great off the shore at Norman to the left of the swim area in front of pirates, lots of schools of fish and interesting rocks and coral. My daughter (14 till the end of this month) is also hesitant snorkeling off the boat and she loved the spot I'm talking about. She will go off the boat but it's not her favorite thing. Snorkeling off the shore at The Baths is good too. And I've heard at Mahoe on Virgin Gorda, we were hoping to do that but on the day we were there there was lots of wind and a larger swell than normal and we skipped the snorkel but flew the kite!