why don't you plan to SAIL the islands: you would get to remote genuine places with real crystalline waters. my wife and I did that with another couple for an affordable 150 usd per personne per day and ALL was included (kayaks, wines, rum, lobster, etc..) there's a local company very reliable (European management) in balboa -
panama - they also do receptive services as free hotel and plane bookings, pick up, transfers, chauffeur, etc..
you should find them easily with any search engine
they can pick you up at the road in carti (by the way the road is NOT fun and NOT exiting) or at Corazon de Jesus airstrip (the flight over the archipelago is just gorgeous)
If you need more info about our unique experience in
san blas DO ask.
Je crois que je vais abandonner l'idée des sans blas moi... trop cher! 
