Your best bet is to take only what you need off the ship with you: your ship card, photo ID, a little cash (however much you need - depends on if you will need taxi fare, plan to eat on shore, etc.), and a credit card. Those will all fit in a small hip pack or a money pack you can wear under your clothes. You can use a ziploc bag to keep things dry and just wear the pack while snorkeling or swimming & enjoying the beach. Everything else you can leave onboard - in many cases your cabin will have a small safe that can fit wallets, tickets and other small valuables. If not, the purser's office usually has safe deposit boxes for passenger use.
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