Imagine cruising the calm waters of St. Andrews Bay with your favorite people, soaking up sunshine, and exploring hidden spots at your own pace. For around $300, you and up to 11 friends or family members can rent a 24-foot pontoon boat in Panama City for anywhere from four to eight hours. Whether you’re in the mood to relax, snorkel around Shell Island, or just enjoy a day on the water, this experience offers a flexible, fun way to connect with nature and each other.
What we love most about this rental is the freedom to captain your own boat. With a full orientation and a map of the best shelling and snorkeling spots, you’re empowered to chart your own course. Plus, bringing along your grill and water toys turns a simple boat ride into a personalized adventure. The second highlight? The ease of access and trustworthiness—the boat is well-maintained, and safety equipment plus insurance come standard, giving peace of mind while you focus on fun.
One thing to keep in mind: the rental is strictly limited to St. Andrews Bay and Shell Island—not the Gulf of Mexico. If you’re expecting an ocean voyage, this isn’t the right fit. But for those looking for a relaxed day in protected waters, it’s perfect. This experience suits families, groups of friends, or anyone wanting a stress-free, customizable day on the water without the hassle of boat ownership.
Key Points

- Flexible duration: Choose between 4 to 8 hours to suit your schedule.
- Self-captain experience: Feel the thrill of steering your own boat with provided safety briefings.
- All-included safety gear: Life vests, insurance, and operational guidance are provided.
- Bring your own gear: Grill, floats, water toys, and snacks are welcome for added fun.
- Private group: Perfect for family outings or friends’ trips, with room for up to 12 people.
- Easy check-in: Conveniently located along the marina, with clear directions and check-in at Heritage Excursions.
Exploring Panama City’s Waters: A Detailed Look

When considering a boat trip like this, the first thing that stands out is flexibility. Unlike guided tours, this rental puts you in the driver’s seat—literally. You can choose your own itinerary, whether cruising around St. Andrews Bay or heading over to Shell Island, a popular destination known for its pristine beaches and shelling opportunities. The boat is a 2024 model with a 115 HP engine, giving you enough power to comfortably navigate the bay’s calm waters.
What to Expect on Your Day Out
The rental includes a comprehensive orientation and a detailed map highlighting the best spots for shelling and snorkeling. This is invaluable for those unfamiliar with the area; the staff’s friendly guidance ensures you know where to find the shells, fish, or coral reefs for snorkeling. Many guests mention how helpful and friendly the staff are, with reviews emphasizing their professionalism and good humor.
Once on the water, you’ll appreciate the ease of handling. A boat with GPS tracking keeps everything secure, and safety gear is ready for all ages. You don’t need a Florida boating license if you’re born before January 1, 1988, but those born after will need to complete a simple water safety test online—a straightforward process included in your booking.
The Highlights: Shell Island and Snorkeling
The star of the show is Shell Island, just a short cruise from the marina. It’s a wide, sandy ribbon perfect for sunbathing, shell collecting, or paddling around with water toys. Several reviews mention how effortless it is to walk over to the Gulf side from the island and enjoy the surf—something we definitely recommend for a change of scenery.
Snorkeling is another favorite activity. Crystal-clear waters make spotting sea life easy and enjoyable. The provided map points out the best snorkel spots, and the boats are equipped with Bluetooth radios, allowing you to listen to music as you cruise—a small but much-appreciated touch that turns the day into a personalized beach party.
What’s Not Included
While the boat rental covers insurance, safety equipment, fuel, and a helpful orientation, you’ll need to bring or rent your own gear, such as a grill, water toys, floats, and food or drinks. Many guests love packing snacks and drinks to enjoy on the boat or on Shell Island. The rental cost is quite reasonable considering it’s a private, flexible experience and includes all the safety essentials.
More Great Tours NearbyReviews and Authentic Experiences
Guests consistently praise the well-kept condition of the boat and the friendly, knowledgeable staff. One reviewer noted, “The boat was in excellent condition. Very friendly employees,” while another said, “We had the best time out on the pontoon boat,” highlighting the ease and enjoyment of the whole experience. Multiple reviews mention how helpful the staff were, helping with loading and unloading, making the process smooth even for families with small children.
The Bluetooth radio feature is a standout. One guest said, “Having our music playing while we cruised around made it feel like our own beach party,” which speaks to how personalized and carefree your day can be. The reviews also reflect the value of having a private group experience—no crowds, no fuss, just your own adventure.
Practical Tips
- Bring a driver’s license and sunscreen for sun protection.
- Pack swimwear, a towel, snacks, and a charged smartphone for photos and navigation.
- Remember, no glass items are allowed, and towing behind the boat is prohibited.
- Plan your trip around the availability window—typically mornings and afternoons—since flexibility is a key benefit.
Who Should Consider This Experience?

This pontoon rental is ideal for groups looking for a low-stress, customizable day on the water. It’s perfect for families with children, friends celebrating a special occasion, or anyone wanting to explore Panama City’s calmer waters. If you enjoy snorkeling, shelling, or just relaxing on a boat, you’ll find this a good fit. But if you’re eager for ocean adventures or want to venture into the Gulf, this might not be the best option.
Overall, it offers great value—a private, well-maintained boat, safety assurance, and the chance to create your own memorable day—at a price that’s reasonable for up to 12 people.
The Sum Up
This pontoon boat rental in Panama City offers a fantastic way to enjoy the bay’s tranquil waters without the hassle of boat ownership or guided tours. Its flexibility, combined with good safety measures and friendly staff, makes it a standout choice for groups seeking a personalized aquatic adventure. Whether you’re snorkeling in crystal-clear waters, lounging on Shell Island, or just cruising along with your favorite playlist, this experience provides great value and memorable moments.
If you’re someone who appreciates easy access, independence, and beautiful scenery, this rental is well worth considering. It’s especially suited for those traveling with family or friends who want to craft their own day in the sun, with all the essentials taken care of and plenty of space for everyone. Just remember to bring the essentials, pack your sense of adventure, and you’re all set for a day of fun in Panama City’s welcoming waters.
FAQ
Do I need a Florida boating license?
You only need a license if you were born on or after January 1, 1988. Guests born before this date can operate the boat with a valid driver’s license. Those born after will need to complete an online safety test to get a Temporary Florida Boaters License.
Can I bring my own food and drinks?
Yes, you are encouraged to bring snacks, sandwiches, drinks, and even a grill if you want to cook on the boat. Just remember that glass items are not allowed.
Is the rental suitable for children?
Yes, children are welcome but must be supervised by an adult at all times. The boat has safety equipment, including life vests for all ages.
Can I visit the Gulf of Mexico during this rental?
No, the rental is strictly limited to St. Andrews Bay and Shell Island. The boat is equipped with GPS tracking to ensure you stay within permitted areas.
How long can I rent the boat?
You can choose a rental period from 4 to 8 hours, depending on your plans and availability.
What should I bring to ensure a smooth experience?
Bring your driver’s license, sunglasses, swimwear, towel, snacks, sunscreen, water, and a charged smartphone. Arrive at the marina following the instructions and check in at Heritage Excursions.
This well-rounded, flexible boat rental is a prime choice for anyone eager to enjoy Panama City’s scenic waters in a private, relaxed setting. With good safety, friendly staff, and the freedom to design your own day, it’s a trip that promises both adventure and comfort, all at a fair price.
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