Half Moon Cay is the private island, great beach, decent snorkeling. If you've been to St. Thomas before, take the ferry to St. John and a cab to Trunk Bay. It is one of the top 10 beaches in the world with a self-guided snorkeling trail about 50 yards from the beach. Absolutely beautiful! If you've not been to St. Thomas and wish to stay there, any catamaran sail/snorkel will be good, Magen's Bay, Coki Beach, or Sapphire Beach are nice, and there's plenty of shopping. A tour of old San Juan is interesting and the Bacardi factory tour is yummy! Best wishes and have a wonderful cruise!
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