CNN-- "Shh ... shh get back," the man with the walkie-talkie said. "We're filming."

We had stumbled onto the set of a "Survivor"-like television show. But I'm getting ahead of myself. First let me tell you how we stumbled onto the Pearl Islands in Panama, and then I'll tell you how we came upon the Orange Tribe on the island of Mogo Mogo.

Every year, my husband and I take my niece on a summer vacation. This year, we decided to go to Panama. Besides the canal, Panama has a lot to offer: There are mountains, beaches, colonial cities and rain forests. After we found a $158 round trip flight from Miami, Florida, the decision was made. My only fear was the weather; it was rainy season in Central America.

After weeks of research, I was torn. We had enough time to visit one set of islands, and there were two island chains that I was having a hard time choosing between. The San Blas Islands are off the northeast coast of Panama in the Caribbean. They're also known as Kuna Yala and are home to the Kuna Indians. It would be a chance to see the Kunas up close, living as they have for centuries in grass huts along the water's edge.

The other option was  the Pearl Islands. The Archipiélago de las Perlas, less well-known than the San Blas, is off the southern Pacific coast of Panama. After an agonizing week of self-debate, I decided that our summer vacation would include a trip to the Pearl Islands. The flight was only 20 minutes from Panama City, but more importantly, I was told it didn't rain as much on the Pacific side.

The sales pitch to my niece: "We are going to where the 2003 edition of 'Survivor' and 'Survivor: All-Stars' were filmed." I was referring to the popular American reality TV show, and I didn't realize that dozens of other countries had their own versions. I admit my destination choice was not as educational as a few days with the Kuna Indians, but I thought it would be better than being rained in with a bored teenager.