What do you mean it will get there by the time you want to dive? (or get there at all) Once your luggage arrives in Belize if you are paying for the flight to San Pedro it would come with you (or the flight before or after, etc...)
I've had plenty of luggage lost within the states. The last three times I traveled US/Belize and Belize/US...and each time it was left somewhere in the states. It always arrived at my location the next day.