Cozumel is very easy to negotiate. There is a well orchestrated taxi service at the pier where the ships dock that will take you to almost any beach on the island. Most of the beaches also have a taxi stand, so returning to the ship is no problem. The cost to town is $8 for three people and $16 to most beaches.
Roatan has a wonderful beach where the cruise ships dock. And, while you can take the magic flying chair from the pier to the beach, you can walk it faster yourself (there is a small bridge connecting the beach to the pier) and save $12. We found a little cove full of conch's and spend the day shell hunting. This was the highlight of our cruise and totally unexpected!
Belize City was the low point port. There are all the normal tourist shops at the port. We heard the ruins and zoo were notable, but we were unable to find a tour or taxi driver that would take three of us. They are all around 30+ miles from the city. We settled for a "city" tour that was advertised to be 90 minutes. I felt pretty good about negotiating the $30 fee down to $15, until I realized our tour lasted only 45 minutes. Actually, that wasn't a problem as there wasn't much to see. Skip the city tour and book ahead for a better option!
Roatan has a wonderful beach where the cruise ships dock. And, while you can take the magic flying chair from the pier to the beach, you can walk it faster yourself (there is a small bridge connecting the beach to the pier) and save $12. We found a little cove full of conch shells and spent the day shell hunting. This was the highlight of our cruise and totally unexpected!
More 
