Belize: Your Tropical Relocation Guide

Belize is a popular destination for US expats, offering an enviable lifestyle and a low cost of living. As a former British colony, English is the official language of Belize, making the transition easier for English speakers. Belize has a slow pace of life, stunning natural scenery, and friendly people. It is also a very non-materialistic place, which can be freeing for expats.

However, there are some drawbacks to consider before moving to Belize. The country has a high crime rate, and access to quality healthcare is limited. The roads are in poor condition, and there is a lack of amenities in some areas. Additionally, real estate prices in Belize are higher than in neighbouring countries.

Belize's climate

Belize has a tropical climate, with a seasonal variation that is slightly different from other Caribbean countries. The country is characterised by a moist, subtropical climate with a dry season from late February to May, and a wet season from June to November. The dry season sees significantly lower rainfall, with rain usually arriving in mild, short bursts. The wet season, on the other hand, brings heavy storms associated with the Caribbean, usually in the late afternoons. The most frequent rainfall occurs in June or July, punctuated by a break in late July or August, known as the "little dry".

The mean annual temperature in Belize ranges from 23-27°C, with the coast generally exhibiting hotter temperatures than the interior. The average yearly temperature is 84°F (29°C), with the temperature rarely falling below 60°F (16°C) in winter, and sitting at around 86°F (30°C) in summer. The temperature in December ranges from 70°F (21°C) to 80°F (27°C), while in February, temperatures average between 70°F (21°C) and 80°F (27°C). In March, the day and night temperatures are clear and uninterrupted by rain, with averages of 83°F (28°C) and 74°F (23°C) respectively. In April, temperatures rise further, with averages of 85°F (29°C) and 76°F (24°C). By May, the temperature climbs to an average high of 87°F (31°C) and a low of 79°F (26°C).

June sees temperatures averaging 86°F (30°C) to 82°F (28°C), with easterly breezes and afternoon showers moderating the heat. In July, the weather is similar, with increasing rainfall and easterly breezes providing relief from the heat. In August, drier winds from the west replace the easterly sea breezes, marking the "Little Dry" with lower rainfall and higher temperatures, ranging from highs of 86°F (30°C) to lows of 78°F (26°C).

September sees average temperatures of 81°F (27°C), with highs of 86°F (30°C) and lows of 77°F (25°C). October temperatures cool down to a monthly average of 79°F (26°C), with daytime highs of 84°F (29°C) and lows of 75°F (24°C). November temperatures are some of the lowest and most variable of the year, with a monthly average of 76°F (24°C), with daytime highs of 82°F (28°C) and lows of 73°F (23°C).

Healthcare in Belize

Belize's healthcare system is comprised of both public and private healthcare facilities. The public system is managed by the Ministry of Health (MoH), which is the government agency responsible for overseeing the entire health sector. 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, albeit at a relatively low cost and with a shared emphasis on quality.

The standard of healthcare in Belize is generally considered to be low, with limited medical procedures and a shortage of medical professionals and supplies. This is particularly evident in rural areas, where access to emergency services and ambulances is limited. However, the country has dedicated doctors who offer personal attention to their patients.

Most expats in Belize who maintain international health insurance have policies with companies such as Cigna Global, Bupa/IHI, and International Medical Group. These companies offer private expat health insurance plans at competitive rates, which cover the cost of overseas medical care and emergency treatment. It is recommended that expats opt for comprehensive international health insurance before arriving in Belize, including coverage for repatriation and air ambulance services.

Belize has only eight major public hospitals and around 60 public clinics, with the highest level of care offered in Belize City. The public hospitals and clinics provide very low-cost or free healthcare services, but this often results in long waiting times. A Belize Health Information System card (BHIS) is mandatory for anyone seeking treatment in a public healthcare facility, including expats.

The private health sector in Belize has grown in recent years, especially in urban areas, and offers comprehensive coverage, albeit at a high cost. Private healthcare facilities in Belize City cater specifically to expats and global citizens.

Medicines and Pharmacies

Foreign nationals are advised to ensure that their vaccinations are up to date before travelling to Belize and to take measures to protect themselves from potential diseases, such as malaria, which is common in the country. Prices at pharmacies are generally low, and they are well-stocked in the larger towns, except for specialised medications. Most drugstores in Belize sell many medicines over the counter that would require a prescription in the US, and they will sell a large supply at once.

Belize's visa types

Belize Visa Types

Belize offers several visa options for those looking to relocate or stay long-term in the country. Here is an overview of the common visa types:

• Tourist Visa: This visa is suitable if you are visiting Belize for a holiday, temporarily conducting business, or investigating the possibility of settlement. US citizens can enter Belize without a visa and stay for up to a month. However, if you plan to stay longer, you will need to get a visa stamp each month to extend your stay. After a year, you can switch to a permanent residence visa.
• Employment Visa: If you have been officially hired in Belize, are conducting a consultation visit, or are a sales representative or foreign media personnel, you can apply for an employment visa. Your employer can apply for the necessary permits once you arrive in Belize, or you can apply yourself if you are self-employed.
• Student Visa: If you plan to enrol in a secondary or tertiary institution in Belize, you will need to apply for a student visa.
• Retirement Visa (QRP): The Belize Qualified Retirement Program is a popular option for US citizens over 35 who want to settle in Belize long-term. To qualify, you must prove a regular income of at least $24,000 per year. This visa allows you to bring your spouse and children under 18, and they are entitled to work and invest in the country. After residing in Belize for a year, you can apply for permanent residency.
• Permanent Residence Visa: To qualify for this visa, you must have lived in Belize for a year with a long-stay visa, not have left the country for more than 14 days during that year, and prove financial stability and that you are not a threat to the country.

Cost of living in Belize

The cost of living in Belize is generally considered to be low compared to the US and other Western countries, making it a popular destination for retirees and expats. However, it may not be the cheapest option when compared to other Caribbean or Central American countries. Here is a breakdown of the cost of living in Belize:

Housing

Belize offers a range of housing options, from basic wooden homes to more modern concrete residences. The cost of renting or buying property varies depending on location and style. For example, a two-bedroom apartment near the beach in San Pedro can range from $1,200 to $1,500 per month, while a one-bedroom apartment on the water in Cayo can be found for $1,000 per month.

Utilities

Utilities such as water and internet are relatively affordable in Belize. For example, city water is inexpensive, and rain catchment is also an option. Internet plans with speeds up to 150 Mbps can be found for $100 per month. However, electricity is more expensive, with a residential rate of $0.45 per kWh.

Food

The cost of food in Belize can vary depending on your dietary preferences and shopping habits. Eating out in tourist areas like Placencia and Ambergris Caye can be expensive, but there are also cheaper options available if you ask the locals. Cooking at home with local ingredients is generally more affordable, and Belize's national meal of stewed chicken, rice, and beans is a cheap and filling option.

Transportation

Transportation costs in Belize can vary depending on your chosen mode of transport. Gasoline is expensive, costing between $5 and $7 per gallon, so owning a vehicle can be costly. Public transportation is a cheaper option, with bus fares ranging from $1 to $15 depending on the distance travelled.

Healthcare

Healthcare costs in Belize are generally lower than in the US, and many expats find that insurance is unnecessary. Basic medical services can cost as little as $25, while more advanced lab work can range from $200 onwards. For more specialized treatment, many expats choose to travel to Mexico.

Other Costs

Other costs to consider when living in Belize include vehicle insurance, which is mandatory and costs around $250 per year, and a driver's license, which costs $30 per year. Additionally, if you plan to become a Belizean citizen, you will need to renew your tourist visa every 30 days at a cost of $100 per month, and there are various other fees associated with the residency process.

Overall, the cost of living in Belize is highly dependent on your chosen lifestyle and location. While some expenses like utilities and food may be cheaper, other costs like housing and transportation can add up, especially in popular expat destinations. It is recommended to spend some time experimenting with living in Belize before committing to a full-time move to ensure your budget can support the lifestyle you desire.

Belize's safety

Belize has a high overall crime rate, with some areas carrying a higher risk than others. The country has one of the highest per capita murder rates in the world, and violent crime – including sexual assault, home invasions, armed robberies, and murder – are common, even during daylight hours and in tourist areas. A significant portion of violent crime is gang-related, and tourists are advised to exercise caution while traveling to the south side of Belize City. Belize's police force lacks the resources and training to respond effectively to serious criminal incidents, and most crimes remain unresolved and unprosecuted.

Tourists are not usually targeted, but it is possible to be in the wrong place at the wrong time. Petty crime, such as pickpocketing and purse snatching, occurs, and criminals often operate in groups, sometimes targeting individuals traveling alone. Criminals may also target tourists at resorts.

Belize is not known for its sophisticated policing or legal system. There is a low rate of conviction, and it can be frustrating working with the police if you are used to the advanced criminal justice system in the US.

In the tourist and expat areas of Placencia and Ambergris Caye, most expats feel safe, and crime is similar to most tourism areas in the world. Violent crime does happen occasionally, but petty theft is a more common issue. There are no in-home security systems, so most people take measures such as installing security bars or owning dogs to help them feel secure. It is smart to be vigilant about your safety and not take unnecessary risks.

To avoid becoming the victim of a crime in Belize:

• Remain aware of your surroundings at all times
• Avoid traveling after dark
• Maintain a charge on your cellphone
• If you are threatened, hand over your cash and valuables without resistance
• Be extra vigilant when visiting banks or ATMs
• Do not display signs of wealth, such as wearing expensive watches or jewelry
• Enroll in the Smart Traveler Enrollment Program (STEP) to receive alerts and make it easier to locate you in an emergency
• Avoid walking or driving at night
• Do not physically resist any robbery attempt
• Be suspicious of strangers approaching you or new acquaintances
• Avoid accepting rides or similar invitations
• Avoid carrying large amounts of cash
• Avoid using ATMs or credit/debit cards; fraud occurs frequently, especially in San Pedro
• If you must use a card, pay careful attention when your cards are being handled by others, use ATMs located in well-lit public areas or inside a bank or business, cover the keypad with one hand when entering your PIN, and check for any unauthorized transactions on your account statements
• Avoid traveling by bus or taxi; these are not considered safe forms of transportation

Frequently asked questions