The Bay of Kotor is the part of Montenegro we keep coming back to. We drive the bay road rather than the tunnel, stop at the Perast waterfront for coffee before the coaches arrive, and take the little water taxi out to Our Lady of the Rocks — about €5 return, no booking, seven minutes each way, running all day from the Perast quay.
That last detail matters more than it sounds, because it is the honest answer to a question most people never think to ask: almost everything on this tour's itinerary can be reached without a boat tour. Perast is a bus ride from Kotor. Our Lady of the Rocks is a €5 water taxi from Perast. You can see Mamula from the shore at Žanjice.
The Blue Cave is the exception. It sits on the outer edge of the Luštica peninsula, on a stretch of coast with no road to it, and there is no ticket desk, no path down, no way to simply turn up. If you want to swim in it, you get on a boat with somebody who runs out there daily. That is the whole argument for booking one of these tours, and it is a good one.
Our own record on the bay is mixed. The water taxi to the island is one of the best €5 in Montenegro. A speedboat trip we took years ago out of Budva was three hours of engine noise and one photo stop. What we had never done — and kept meaning to — was the cave itself. So this time we chose the most-booked one on the water: the Blue Cave, Our Lady of the Rocks and submarine tunnels tour run by Montenegro Submarine & Speed Boat Tours.
Before we get into it, the genuinely useful part: we also went back through what travellers on recent departures reported — the two- and three-star write-ups as much as the glowing ones. Four things come up again and again, and none of them are in the headline copy.
The four caveats that decide whether you enjoy this
The Blue Cave swim is the shortest part of the day. The listing says 30 minutes. On most departures it is 10 to 15, and that clock starts before twenty-odd people have finished climbing down the ladder.
No boat goes inside the cave any more. A navigation-safety rule brought in during 2026 bars motorised vessels from the chamber. Boats anchor outside and you swim in — and how far outside is entirely down to your skipper. The tour page says 10–20 metres. On busy afternoons people report being dropped 80–100 metres out, far enough that reaching the cave and getting back inside the time allowed is not realistic.
The “guide” is largely a QR-code audio guide. There is a licensed crew on board and some of them are excellent, but there is no microphone. Live commentary competes with an outboard engine at speed, and at the stops it is often a recorded clip played through a phone speaker.
If you cannot swim, you will not be going in the water — life jackets in the inclusions notwithstanding. Skippers make that call at the cave and they do not bend on it.
None of these are failures, exactly. They are deliberate choices, and three of the four are stated somewhere in the booking notes that nobody reads to the end. But they are the whole difference between a very good three hours and a quietly disappointing one, which is why the same boat collects fives and threes in the same week. The trade-off this tour asks you to accept: you are buying a fast, scenic circuit of the bay with four sights attached — not a swimming trip with a cave at the centre of it.