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She's Ok to cruise, but she'll have to travel with her US Naturalization Certificate, Russian Passport and US Drivers license.
You didn't say when your cruise is, but if you go to your local Post Office, you can pick up an application for a US Passport. They will even take her Passport pictures at the Post Office. Once you've completed the application, turn it in at the Post Office, with the fees and other supporting documents as stated in the application, and the Post Office will send her passport application to the Passport Office.
As for getting off the ship at the ports you mentioned, she's better served by calling each country's embassy as you've already done in one instance to be sure.
NB(Note Well) - Guard that Naturalization Certificate with your life, it costs over $200 to replace it.
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