Seeing as you are a fellow Canadian, have you ever considered Cuba. You can fly in to Varadero, and rent a car. Do a couple dives there, drive to Cayo Santa Maria, and repeat the process. After that, you can head to Holguin, do the same, then fly home. You do not have to stay at resorts. There are bed and breakfasts, called Casas, all across Cuba. It is a very nice country, extremely safe, and easy on the wallet. Plus Westjet flies there numerous time a week.
---------- Post added September 24th, 2014 at 08:39 AM ----------
I should also mention that their reefs are completely unmolested, as everything in Cuba is a marine protected area.