I heard this one while waitressing in Miami ten years ago. I think part of what made it seem plausible was the fact that the folks in South Florida are so often warned about crime targeting tourists, plus they often vacation in the Caribbean.
Of course, this happened to a friend of a friend of mine!
The "friend" and his new wife went to Jamaica for their honeymoon, where they stayed in a bungalow on the beach. One day they came back to their bungalow to discover they'd been robbed. The burglars had taken everything of value, their money, binoculars, video camera, even clothes, but luckily had missed their camera and some worthless personal items, such as toiletries.
The couple decided to make the best of it, and enjoyed the rest of their honeymoon. Once back in Miami, they had the film developed from their vacation. There, along with the pictures of themselves snorkeling and hanging out on the beach, were some pictures the burglars had taken.
The robbers had taken turns shoving the couple's toothbrushes up their rectums and photographing each other doing so.
