Cruises · Costa Rica

Hi everyone, I’m going on a cruise at the end of January with MSC and I’m looking into the excursions I could do. I’d like to know if I can do the excursions on my own or if I absolutely have to go through MSC based on safety levels. We’ll be stopping in Montego Bay in Jamaica, Cartagena in Colombia, Puerto Limón in Costa Rica, Belize City, and Colón in Panama. Thanks! Emeline