I visited Bahía Bioluminiscente[0] on an island off of Puerto Rico and you could definitely tell something strange was going on, but it was not at all comparable to photographs of the same thing. I would say it is more akin to the glint of a half moon off the water where you disturbed it more than a kind of bluegreen LED in the water.
[0] https://en.wikipedia.org/wiki/Puerto_Mosquito
[1] https://en.wikipedia.org/wiki/File:Surfing_on_bioluminescent...