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SoCalOffshore:we would need a kids program for our 10 year old while we dive.
I don't know of any included kids' programs that will babysit your kids while you dive. There may be a cut-off limit based on age but the free kid clubs' require that parents or guardians remain on the premises. This is so that they can return the child to you if they misbehave. You pay for a babysitter to handle any behavior problems that may arise. You'll definitely want to check with the resorts before assuming. I know in some dive destinations there are kids programs that will do dive, snorkel, naturalist activities for kids 5 and older but again, these are pay-for programs that allow the parents to leave the premises.
I would recommend Fiesta Americana as a good Family AI. We've taken our toddler daughter there 3 times. She loves the pools and the elevated, man-made beach for playing in the sand. The food is decent being a notch above other AI resorts I've stayed at including Iberostar and Allergo. It's location cannot be beat... Just a $5 cab to town and a short boat ride to the reefs returning you from diving quickly giving you more time to spend with your family. They have a kids club but our daughter was too young to participate. We utilize the resorts main receptionist to babysit our daughter and have become great friends with her. The resort, furnishings and rooms are far from 5-star but it's very clean and the staff is great! Finally, any op can pick you up and even without going with the house op, you can still use the lockers for your gear.
PM me if you have any additional questions.