Cozumel is one of the busiest cruise calls in the world, and on a good winter Tuesday four to six ships are alongside at once. That puts something like fifteen thousand people onto an island whose resident population is under a hundred thousand, all of them inside the same six-to-eight-hour window, all of them wanting a taxi at roughly the same moment. Plan for that and the day is excellent. Ignore it and you will spend two hours of a short call queueing.
The first thing to establish is which pier you are on, because it changes everything downstream. Punta Langosta sits in the middle of San Miguel, just south of the main square, with a pedestrian bridge over Avenida Rafael E. Melgar into the shopping complex. Step off there and you are in the town already. The International Pier and Puerta Maya sit side by side about three to four miles south of the plaza on the hotel-zone road, close enough that their entrances are a short walk apart, and they put you nearer the beach clubs, Chankanaab and the southern dive boats than downtown does. The rough convention is Carnival at Puerta Maya, Royal Caribbean, Celebrity, Princess, Holland America and Disney at the International Pier, and Norwegian, MSC and several smaller lines at Punta Langosta. Assignments move, and they are not final until close to the sailing date, so treat the convention as a planning assumption and confirm on the ship.
The second thing is time, and Cozumel has a quiet trap in it. Quintana Roo runs on UTC−5 all year and does not change its clocks, so from March to November the island is an hour behind the US East Coast. Ships frequently keep their own clock regardless. The number on your excursion voucher, the number on the shop window in town and the number on your phone can all be different. Use ship time and only ship time, and set a watch alarm for an hour before all-aboard rather than trusting a local sign.
Once those two things are settled, the island is generous. The top seller by a distance is the all-inclusive beach club day pass — Mr Sanchos, Playa Mia and Paradise Beach are the names you will hear — because it converts the whole day into one decision and one transfer. Behind it sit the reef trips that made Cozumel's name: this is the Mesoamerican Barrier Reef, the second-largest reef system on earth, and a boat can be on Paradise Reef or Chankanaab Reef inside twenty minutes of leaving the pier. Then come the jeep circuits, the ATV and jungle-cavern runs, the catamarans, Punta Sur, San Gervasio and the submarine.
What does not fit is the mainland. Tulum means a ferry crossing each way plus a coach at the far end, and Chichen Itza is a full day from a hotel on the mainland before you add the water. Those trips are sold from Cozumel and people do them, but only with the ship's own operator and its return guarantee behind them. The rest of this page is built around what is comfortably achievable from the pier, and honest about the handful of things that are not.