I have to ask a silly question...what's the big hurry to get your images (good, bad, and totally unedited!) out to the world? Unless you are in some kind of contest, I really don't see the burning desire to share 'your world' with the 'rest of the world'.
For what it's worth, point and shoot cameras, even a small compact like I sometimes use, are rapidly going the way of the dodo bird. Even at $300-500 for a new one, the added technology cost has zero payback to the manufacturer...especially in the face of declining sales of point and shoot type cameras.
On the technical side, be aware that WiFi only has at best a 1/8 mile unobstructed range. 100 YARDS is about the limit of a reasonably error-free connection. So if you are out on a boat somewhere, snorkeling perhaps, odds are you'll be out of range of ANY WiFi network. Oh, and for what it's worth, finding an
unsecured WiFi network at locations other than hotels and coffee shops is highly unusual.
I therefore think the best solution would be to buy a 'regular' underwater camera or an underwater enclosure for whatever camera you choose. Take your pictures, pop the memory card into a USB just-about-every-card-slot-possible adapter (less than $20 on Amazon
Amazon.com: usb card reader - Computers & Accessories: Electronics), and read the pictures on the USB capable device of your choice. You may also need to get a USB 'size' adapter, as USB connectors come in 3 sizes - standard (on your computer), mini, and micro. Your cell phone likely has a mini or micro USB connector for the charger and/or data transfer. Then your next problem is how far are you from cell phone service? There are two types of cellphone technologies out there and they are not compatible. In other words, not every cell tower can 'talk' to every cell phone.