Photo: Юрий Ветер via GoogleMaldives
The Maldives sits almost on the equator, so its lagoons stay bath warm right through the northern winter, which is also its dry, calm, sunny season. Verdict: the warmest and most inviting swimming on this list, with gentle reef sheltered water perfect for snorkelling, and the only real catch being the cost of getting there. Choose an atoll with a good house reef, travel in the dry winter months for the calmest sea, and book early as winter is the peak and the holidays are dear.










