Thank you for you reply @neverendingcruising.
I am going out of miami. I am visiting costa maya (mexico), Roatan (Honduras), and Bimini (The Bahamas). I have the Mexico requirment satisfied, and I am able to procure a Bahamas visa if necessary.
The real problem is the Honduras visa. There is no website I could find for applying, and I have called over 10 listed numbers of the Honduras Embassies in the U.S, and all of them were out of service. The closest embassy to me is in D.C, and I went there. But there was no website for appointments, a massive line, and I was informed by someone there that they only did passports. So as far as I am aware, I am unable to get a Honduras visa at this time.
This prompted me to call the cruise line, which I did. And then I got the information I portrayed in my original post. That is, I was told I do not need any other visas. Judging by your reply though, this does not seem to be the case.
I have no idea what I should be doing or how to verify the information I am getting.