Belize: The Ease Of Expat Life In This Caribbean Paradise

Belize is a popular destination for expats, especially those from North America, who don't need a visa to enter the country. The country's official language is English, making it easier for expats to transition. The cost of living in Belize is also generally lower than in the US, and the weather is nice year-round.

However, Belize has a high crime rate, and healthcare is limited even in major cities.

Belize's weather and climate

Belize has a tropical climate, with an average yearly temperature of 84° F (29°C). The coastal sea breezes, large areas of jungle, and rainforests provide cooling relief during the hottest summer months, and temperatures rarely fall below 60°F (16°C) in winter. The climate is mild enough that visitors can enjoy the country all year round.

Belize has two seasons: the wet and the dry. The dry season falls between February and May, with significantly less rainfall than the rest of the year. The wet season is from June to December, when parts of the country receive up to 150 inches of rain, and heavy storms occur, usually in the late afternoon. The wet season is also hurricane season, and while Belize does not attract many major direct hits, it does experience severe tropical weather.

The rainy season is slightly different from other Caribbean countries, falling between May and November. The dry season is from February to May. The El Niño Southern Oscillation (ENSO) heavily influences Belize's climate, with the El Niño phenomenon producing warmer conditions from June to August, and La Niña producing wetter conditions.

Belize's average monthly temperature ranges from 70°F (21°C) to 87°F (31°C) throughout the year. The temperature rarely drops below 60°F (16°C) in winter, and the summer average is 86°F (30°C). The humidity is fairly consistent at around 85%.

Belize's visa options

• Tourist Visa: This is the most common option for those looking to visit Belize. Upon arrival, tourists are granted a 30-day visa, which can be extended for an additional 30, 60, or 90 days, with each 30-day extension costing $100. This visa allows you to remain in Belize for up to three months without the right to work or engage in any business or profession. To obtain an extension, you must visit an immigration office and provide documentation, including a completed visa extension form, proof of a return ticket or local lease, and a bank statement demonstrating sufficient funds.
• Visitor Long Stay Permit (Digital Nomad Visa): Aimed at digital nomads or remote workers, this permit costs $500 and is valid for six months. Applicants must be citizens or permanent residents of specific countries, including the EU, UK, USA, or Canada, and must have a minimum annual income of $75,000 for individuals or $100,000 for those applying with dependents. This visa does not allow employment in Belize and cannot be renewed.
• Temporary Employment Permit (Work Permit): This visa is for individuals planning to work or start a business in Belize. The application process involves three steps, including an online application and submission of various documents. The permit is valid for one year and is tied to the specific employer stated in the application. The fee for this permit is typically $1,500, and it also requires a separate application for a Social Security card in Belize.
• Qualified Retirement Program (QRP): This program is designed for retirees over 45 years of age who can demonstrate a monthly retirement income of at least $2,000. It offers residency, renewable each year, on the condition that retirees spend at least 30 days in Belize annually. The program includes duty-free importation of personal items, vehicles, boats, and light aircraft. The application fee is $150, with additional fees for applicants and their dependents, and an annual renewal fee of $25 per person.
• Permanent Residency: This option is for individuals who have made Belize their home and can demonstrate continuous residence in the country for at least one year, with no more than 14 days spent outside the country. Applicants must also show financial stability and a clean criminal record. The application process involves submitting extensive documentation and completing several steps, including interviews with immigration and police departments. The fees vary by nationality, ranging from $250 to $5,000, with a fee of $1,000 for US citizens. After obtaining permanent residency, individuals can work freely in Belize and apply for citizenship after five years.

Cost of living in Belize

The cost of living in Belize is generally considered to be cheaper than in North America, with expats reporting that it is at least 50% less expensive than in the USA. However, compared to other Central American countries, Belize may not be the most affordable option.

Housing

One of the most significant expenses in any budget is housing. Belize offers a range of options, from basic wooden homes to concrete houses, with prices varying depending on style and location. For example, a two-bedroom apartment near the beach in San Pedro can cost between $1,200 and $1,500, while a one-bedroom apartment on the water in Cayo can be found for $1,000 per month.

Utilities

Utilities, especially electricity, can be expensive in Belize. A couple living in a two-bedroom home without air conditioning can expect to pay around $50 per month, while running air conditioners at night can increase the bill to $150 or more. Internet costs range from $25 to $80, and cable TV is available for $30 per month.

Transportation

Vehicle fuel is also relatively expensive, with prices ranging from $5 to $7 per gallon for gasoline. Public transportation is a cheaper alternative, with bus fares varying from $1 to $15 depending on the distance travelled.

Food

Food costs can be kept low by shopping and eating like the locals. Belize's national meal, stewed chicken with rice and beans, is cheap to prepare and filling. Eating out can be affordable, with roadside stands offering meals for $6 to $10, but prices in tourist areas can be higher.

Healthcare

Healthcare costs are generally lower than in the USA, and insurance is often unnecessary. A visit to an "urgent care" clinic might cost $25, while more advanced lab work could be around $200. For more specialized treatment, many people travel to Mexico, where costs are still lower.

Entertainment

Entertainment and activities can be pricey, with snorkeling, scuba diving, and fishing trips costing $65 to $100 per person. However, locals often share boats and captains to reduce these costs.

Overall, Belize offers a range of options for those seeking a more affordable cost of living, with the potential to live well on a fraction of the budget required in the USA.

Healthcare in Belize

Belize's healthcare system is comprised of both public and private healthcare providers. The public system is managed by the Ministry of Health (MoH), which is responsible for overseeing the entire health sector and is the largest provider of public health services in the country. The MoH offers affordable care to the majority of Belizeans, with a strong focus on providing quality healthcare through a range of public programs and institutions. The private health sector, on the other hand, provides care to a smaller portion of the population but at a relatively low cost and with a similar emphasis on quality.

The standard of healthcare in Belize is generally considered to be lower than in North America, with most expat residents calling for more healthcare facilities, specialised physicians and staff, and better equipment. However, the country has dedicated and caring doctors who offer personal attention to their patients. Minor ailments and many emergencies can be treated at public clinics, which are found throughout the country, except in some rural areas.

Belize City offers the highest level of care, with several 24/7 hospitals, including the Karl Heusner public hospital, and two excellent private hospitals: Belize Medical Associates and Healthcare Partners. The towns of San Ignacio, Corozal, Dangriga, and Punta Gorda also have 24-hour care hospitals. There are no hospitals on the cayes or in Placencia or Hopkins, but the public polyclinic on Ambergris Caye has expanded to offer 24-hour care, and there is now a rescue response team and ambulance service on the island.

Despite recent improvements, Belize still faces challenges in its healthcare system, particularly in rural areas. Public hospitals and clinics are often underfunded, understaffed, and under-supplied, leading to reduced access to quality care. There is also a shortage of medical professionals in the country, with many doctors being foreign nationals working as volunteers. As a result, emergency services are limited to urban towns and cities, and there is a lack of ambulances in remote areas.

For more complicated medical treatments, many expats leave Belize and go to neighbouring countries such as Mexico or Guatemala, or return to their home countries to take advantage of services like Medicare. International health insurance that covers the cost of overseas medical care and emergency treatment is recommended for expats, especially those with existing medical problems or health issues that require specialised care.

Crime and safety in Belize

Belize is a beautiful country with a lot to offer, from its stunning Caribbean coastline to its lush jungles. However, it's important to be aware of potential dangers and take necessary precautions to ensure a safe and enjoyable trip.

Violent Crime

Belize has a high rate of violent crime, including homicides, armed robberies, and sexual assaults. The US State Department and the Canadian government advise travellers to exercise increased caution due to the high level of violent crime. While tourists are not usually the target of such crimes, there has been an increase in violent incidents in tourist areas in recent years. Gang violence, particularly in Belize City, is a significant contributor to the country's high homicide rate. The south side of Belize City should be avoided at all times.

Petty Crime

Petty crimes such as theft, burglary, pickpocketing, and hotel room theft are common in tourist areas. To minimise the risk of becoming a victim, it's important to stay vigilant and aware of your surroundings. Keep valuables and cash secure, and don't flash your possessions or wealth.

Drug-related Crimes

Belize has a problem with drug trafficking, and this contributes to the country's crime rate. It is important to never buy or consume illegal drugs in Belize, as it will subject visitors to heavy penalties and jail time.

Safety Precautions

• Always travel in safe areas, use main roads, and avoid secluded urban areas.
• Be cautious when visiting banks or ATMs.
• Avoid going out alone at night, and stay away from dark side streets.
• Use registered taxis, especially after dark.
• Be vigilant when crossing the street, as vehicles may not yield to pedestrians.
• If you go hiking, join a group with experienced guides from a reputable company.
• Keep your accommodation door secured at all times and meet visitors in the lobby.
• Avoid buses and night travel, if possible.
• Be cautious when swimming at night and avoid isolated beaches.
• Be aware of scams, especially near cruise ship ports, where criminals may target tourists.
• Keep up to date with local news and authorities' warnings, especially during hurricane season.
• Join neighbourhood watch schemes and local Facebook groups to stay informed about any incidents in your area.

Safety for Female Travellers

Belize may not be the safest place for solo female travellers. Sexual assaults and harassment, such as catcalling and stares, are common, especially on beaches and islands. It is recommended that women do not travel alone or accept taxi rides with unknown passengers. Staying in well-reviewed hostels or guesthouses and connecting with other travellers can provide an extra layer of safety.

Safety for LGBTQ+ Travellers

Belize has only recently legalised homosexuality, and the country remains conservative. LGBTQ+ travellers may face verbal or physical abuse and harassment. It is important to choose accommodations carefully and be discreet in most situations, including public displays of affection. San Pedro in Ambergris Caye is known as the most gay-friendly spot in Belize.

In conclusion, while Belize offers a wealth of attractions for visitors, it is important to be aware of the potential dangers and take the necessary precautions to ensure a safe trip. By staying vigilant and following safety guidelines, travellers can minimise the risk of becoming victims of crime and fully enjoy their time in this beautiful country.

Frequently asked questions