Panama is a reef dive located off the western coast of Rarotonga. The site reaches a maximum depth of 17 metres and offers visibility between 15 and 30 metres. While conditions are generally mild, currents can strengthen, requiring intermediate skill levels. Access is by boat only, and divers must exercise caution due to potential surf near the vessel. Water temperatures range from 25 to 28 degrees Celsius throughout the year. Night diving is permitted at this location. Species recorded around this area include various wrasses, pufferfish, butterflyfish, triggerfish, and unicornfish, alongside moray eels, groupers, and trevally.

Goldmine is a reef site located off the Avarua and Western Coast of Rarotonga. This site features a consistent depth of 12 metres, making it suitable for beginners. Divers and snorkellers can access the site from either the shore or by boat. Conditions are generally stable with mild currents and visibility ranging between 15 and 30 metres. Water temperatures remain between 25C and 28C throughout the year. Night diving is available at this location. Divers should be aware of the presence of sharks and sharp coral in the area. Typical dives at this site last approximately 45 minutes.

The R.M.S. Maitai is a wreck dive located 500 metres off the Avarua and Western Coast of Rarotonga. Resting at a consistent depth of 10 metres, the site is accessible for beginner divers. The wreck structure now functions as an artificial reef, hosting species such as Emperor Angelfish, Lunartail Grouper, Giant Trevally, wrasses, groupers, Flagtail Triggerfish, Lemonpeel Angelfish, Pyramid Butterflyfish, Freckled Hawkfish, Dot and Dash Butterflyfish, Ornate Butterflyfish, Pacific Sailfin Tang, Pacific Orange-spine Unicornfish, and Pinktail Triggerfish. Divers should be cautious of moderate currents, entanglement risks, and sharp edges on the hull and surrounding coral. Access is by boat, with visibility typically ranging between 10 and 20 metres.

Avarua Passage is a reef dive located 100 metres off the coast of Rarotonga, offering depths between 2 and 14 metres. This site is suitable for beginner divers, though conditions vary due to the passage environment. Visibility can reach up to 29 metres, with water temperatures ranging from 25 to 28 degrees Celsius. Access is strictly by boat, and guided tours are available. Divers must remain vigilant regarding variable currents, surge in shallower sections, and boat traffic. Stonefish are present on the reef floor, and sharp coral requires careful buoyancy control. Always consult your dive operator regarding current strength before entry.

Edna's Anchor is a boat-accessible dive site located 500 metres off the Avarua and Western Coast of Rarotonga. The site features a combination of reef, wall, and wreck topography, offering a diverse underwater environment for intermediate divers. Depths range from 8 to 40 metres, with an average depth of 24 metres. Visibility is variable, ranging from 10 to 60 metres, while currents remain mild. The site is suitable for night diving, with typical dive times around 50 minutes. Divers should be aware of hazards including the depth, potential for sharp coral, and the presence of sharks. Facilities available nearby include equipment rental, boat charters, and rinse stations.

Coral Gardens is a reef site located 1000 metres off the Avarua and Western Coast of Rarotonga. This site is suitable for beginner divers, offering a forgiving environment with mild currents. Divers can expect depths between 14 and 17 metres, with an average depth of 15 metres. Visibility is consistently 30 metres, providing expansive views of the reef structure. Water temperatures range from 25 to 28 degrees Celsius throughout the year. Access to this site requires a boat. Divers should check locally for boat operator schedules and equipment hire availability before departure, as there are no confirmed facilities on-site.

Alberto's is a shore-entry reef dive located on the coast of Rarotonga. The site features depths ranging from 7 to 15 metres, with an average depth of 10 metres. Divers experience mild currents and visibility between 30 and 60 metres. The reef supports various species, including common wrasses and groupers, alongside less frequent sightings of Emperor Angelfish, Spotfin Lionfish, Lunartail Grouper, Turkey Moray, and several butterflyfish species. Night diving is permitted, offering a different perspective of the reef structure. Divers should exercise caution regarding stonefish, lionfish, sea urchins, and sharp coral when navigating the area. Amenities are not guaranteed on-site, so visitors should confirm local facilities before arrival.

Ngatipa Reef is a boat-accessible site located off the Avarua and Western Coast of Rarotonga. The reef structure sits at depths ranging from 10 to 18 metres, with an average depth of 15 metres, making it suitable for beginner divers. Conditions are generally mild, featuring light currents and visibility that can reach between 20 and 60 metres. Water temperatures remain consistent throughout the year, ranging from 25 to 28 degrees Celsius. As this is a boat dive, divers should coordinate departure times and equipment requirements with a local operator prior to arrival.