You can't get Zika.....or dengue....if you don't get bitten.
So where will you be?
For example:
I have never (in many trips) gotten bitten at the beach or at any of the beach clubs in Tulum. (breeze? spray?)
I have never gotten bitten in the pueblo on the main streets, at a restaurant, walking around, or at a festival on one of the back streets.
However, our posada in the pueblo has a central courtyard with lots of tropical foliage. Each room has a table and chairs out there, where we often eat breakfast, have a picnic lunch or snack, and read. I have certainly gotten bitten sitting there, even to the point of moving back inside. Never gotten dengue from any bites (same mosquito as carries Zika), just itchy, though.
So it depends on where you'd spend your time in Tulum IMO.