Cozumel is not known for great beaches, lots of rocky beaches and coral reef. Unless you go to the East Side of the island, where they have nicer beaches, but you can't really swim as the sea is always crazy.
Playa Palancar was a nice place to spend a few hours, swim in the ocean and just sit around. We met interesting people there, and wish we could've gone a second time during our stay. Rent a scooter or Jeep and go, it's worth it. The roads are safe to drive on:)
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