Caymans: Not a lot of coral - mostly wall dives. You can see turtles during the dives and there's a touristy place where you can swim with sting rays. Nice sand beaches. Not too pretty topside.
If you're thinking of Caribbean and you want the best diving the region offers - your best options are truly Belize & Yucatan. If you're looking for easy, no current dives that are accessible from shore, look at Bonaire.
The anemones with clownfish are only found in the Indo-Pacific region. They are truly great to see in the wild and the mature adults are much larger than you find in an aquarium. When you get close to them, especially to the Clarkii, they will actually bite your knuckle. Aside from this scratch, their personality is so neat to watch! I can see why you would want to see them.
Sometimes there are deals to the Indo-Pacific that are, if you're flying from the west coast, as good or not better than Hawaii. However, if you're flying from the east coast or middle of the country, it will always be cheaper to go to the Caribbean. If you have air miles, transport to Fiji and Australia could be "free". Continental now flies to Fiji once a week (out of Honolulu) and United (which will merge with Continental soon) flies to Australia every day. Tahiti is CRAZY expensive ($10 for a coca-cola) and the reefs are mostly brown cauliflower pocillopora. A lot of sharks too. Vanuatu and the Solomons (another option) have salt water crocodiles and malaria, so unless you're adventurous - I'd choose somewhere else. Indonesia is the center-of-the-universe as far as coral is concerned.
