Living in Ecuador

"I have a close friend who is going to move here. He loved his visit here a couple of months ago. I told him that the culture is very different form the US but that is true anywhere in the world. The only way to learn is through immersion into the life here. I took a job consulting for the municipio, another side task of teaching the local kids in our barrio English and I applied to teach at the local University. The more active I am, the faster I get what is going on here. Ibarra is no Quito; it is like most other towns in Ecuador, just a little larger at 150,000 people. My Spanish is constantly improving. Our farm is becoming more productive, our list of freinds is growing. But it all takes lots of time and personal investment of yourself," remarked one expat who made the move to Ibarra.

"People here are friendly and very helpful. You can get fresh fruit and veggies everywhere. You can get fresh seafood right from the fisherman in the mornings, as the come back in from a nights fishing," explained one expat living in Crucita, Ecuador.

"Retiring in Ecuador can be an attractive option for expats as the cost of living is low and the natural beauty of the country is unparalleled. However, before making a decision to retire in Ecuador it is important to be mindful of a few things. Expats should research the local culture and customs to ensure they adjust to their new home in the best way possible. It is also important to research taxation, the pension system, and health care in the country to determine if their retirement plan is feasible. Additionally, it is beneficial to learn some basic Spanish as many people in Ecuador only speak the language. Ultimately, expats should consider how comfortable they will be in a new environment, and whether Ecuador is the right fit for them," said one expat in Ecuador.

"Be prepared for pollution and robbery problems. Quito also has a large traffic issue and makes it hard to get around at busy hours of the day. The altitude is sometimes hard for people with asthma or the elderly. In general, it's still a small city and has a friendly welcoming attitude. It's easy to get away on weekends and go to the mountains for fresh air. The night life is fun and exciting in the mariscal area. I would research the city really well before renting or buying. Find the safer neighborhoods like Quito, Tenis or Gonzalez Suarez where there are many other expats," said one expat who made the move to Quito.

"We lucked out when we chose stay in Crucita on the beach for 10 days our first visit, 8 days on our second visit, and 8 days on our third visit. We had visited other areas and found in the three times being there, it was the place for us. Crucita has such a laid back vibe, people there are so helpful, and went out of their way to help us with the process of purchasing our condo and furnishing it. We have made many friends just from our three visits in Crucita from Montana. And yes, we will NOT miss all the cold, snow and wind from Montana. I will be 60 this year and my husband 62. We both are absolutely looking forward to a warm, sunny, and laid back retirement. Also, having fishermen pull their catch straight out of the water right on the beach right in front of our condo complex, and having fresh fish (3-4 fish for $5 to $6) right out of the net is a definate plus," explained one expat living in Crucita, Ecuador.

"You'll meet a lot of fellow expats at the favorite restaurants in Olon around dinner... Try Roadhouse, Spondylus, Rasimar, Il Pirata, and MoMos. On Saturday afternoons a group meets at Jerry's Cabana on the beach. The pensianado/retirement expats in the area are an eclectic group and you'll find them enjoying the beach, volunteer opportunities in the community, as mentioned dining out, participating in and watching sports, games (poker is big), and generally enjoying life and their community," wrote a member in Olon.

"Get on online forum and arrange to meet one of the local expats. Ask them about local group and activities. Go online and Google groups for your interests and Ecuador, example pesca deportiva grupos Ecuador (fishing group Ecuador)," commented one expat who made the move to Ecuador.

"Here you meet others through shopping for food, necessities for the home, and dining out. There is a Rotary International group here but they only speak spanish. If you have a talent, such as painting, you can set up in one of the parks and meet people. There are a dozen expats here that speak english and most are very helpful for newcomers. Also there are about 30 to 80 boats from all over the world at the marina, depending on the month, and most "boaties" speak English and are helpul. The marina owner, an American, also runs a restaurant there and he and his Columbian wife speak english," remarked one expat living in Bahia de Caracruz, Ecuador.

"Weekly expat Fridays at 5, currently held at Sakura Restaurant on 3 de Noviembre in front of the Tomebamba River at the bottom of the Escalinata," wrote one member in Cuenca.

"This is a tourist town that only has tourists occasionally. Most people do menial jobs," wrote a member in Bahia de Caraquez.

"Not a lot of crime in Cuenca but people need to us common since living here as they would in any city," wrote a member in Cuenca.

"¡Cuidado! That's the watchword. For many expats, unfamiliar with the language and customs of a foreign country, the experience of living in a "foreign" city or town can be disquieting and possibly downright scary. Learning the language, getting to know the people and customs ( and not locking oneself away in an English-speaking compound ), and practicing common sense regarding personal security can go a long way in ensuring a peaceful and pleasant life in that country. Yes, Ecuador has changed in the past few years, due to the major influx of Venezuelan refugees, a stagnant economy, and the proliferation of Mexican and Colombian drug mafias. There are areas in my city where I no longer feel comfortable walking at night. I find myself much more cautious than when I first began to live here full-time ... but of course, I'm 11 years older now, and aware of my physical limitations. Still, I wouldn't trade my life or lifestyle for all the money in the world or all the tea in China. For those of you living here, planning to move here, or just wanting to visit our beautiful and diverse country ... Come enjoy the life and lifestyle. Have fun! Love and laugh! But ... take the rose-colored glasses off and ... ¡CUIDADO," commented one expat who made the move to Machala.

"Come on over to Malacatos and stay! I have had ZERO crime issues in my neighborhood as we all take good care of each other and watch out for one another! I feel completely safe and live in a beautiful home up on the mountain with wonderful neighbors," remarked one expat living in Malacatos, Ecuador.

"I believe that the people here are warm and accepting. I certainly have not come across any hostilities to expats. They are very eager to be of helping nature," commented one expat who made the move to Cuenca.

"Yes, there is a lot of diversity in Ecuador. Ethnic groups, languages, backgrounds, and cultures all exist in the country in a variety of forms. Ecuador is home to people of African and Indigenous descent, as well as those of European and Middle Eastern descent. Additionally, a wide range of religious beliefs and practices can be found in the country. Generally, Ecuadorians are very accepting of diversity and are known to embrace it as part of the national culture," remarked one expat living in Ecuador.

"Highly recommend this wonderful school. They tailor their program to meet the needs of the individual child," explained one expat living in Cumbaya, Ecuador.

"I would highly suggest taking a look at all options in Quito. This school has made a rapid change to being an elitist, local school where students of powerful local families are given preferential treatment and their parents are allowed to dictate what is done at the school. Discipline is non-existent. The curriculum is constantly "being worked on" and the school is all about how it appears, not substance. Bullying by local, wealthy is prevalent and the school takes no action. The answer is to make the target and their family the problem and wait for them to leave while the bully is allowed to continue for years to come," said one parent with children at Academia Cotopaxi in Quito.

"I have meet folks who live on $1200/mo including rent. Our lifestyle is more like $1200-1500 and we own our place. That includes eating out, 2 grocery runs/month, beer deliveries and biweekly massages for two," remarked one expat living in Manglaralto, Ecuador.

"The cost of living in Ecuador varies and depends on what city or region you are located in. Generally speaking, daily expenses can be kept low if you are living outside of the major cities. Groceries, transportation, and rent are generally much cheaper than in other countries. However, prices for imported goods, luxury items, and eating out in restaurants can be more expensive," wrote one member in Ecuador.

"The availability of fresh seafood, vegetables and fruits delivered to your door or purchased at the market are very reasonable, a household of two adults averages $200 per month for groceries. Rental properties range from $450 up based on location and size. You can purchase a beachfront home for under $200K. or off the beach from $50K. and up. Restaurants offer daily "almuerzo" specials for $3, dinner starts at $4 and up. Utilities are inexpensive, propane gas $1.75 refill, water for the cisterna $15, large jugs of bottled water $1.50, Wifi basic plan $25, electricity varies based on use of AC during the hot season (January - April), no AC. $45 - with AC, $100 and up. Transportation via bus starts at .50 cents and goes up based on destination. Taxi varies based on destination, fare starts at $2," said one expat living in San Jacinto.

"We have a hiking group on Facebook called Vilca Hikers. Every week we explore a trail in our area and other villages around. People also enjoy horseback riding, bicycle riding, tennis, yoga, games like bridge and Texas 42 and dining outside in local restaurant gardens," commented one expat who moved to Vilcabamba.

"The beaches are the main attraction in this area. You can participate in a friendly game of soccer, beach comb for shells, go fishing, paragliding or relax in a hammock on the beach," said one expat.

"There are miles of gorgeous beaches, what more can anyone want? Surfing is possible year round here as is scuba and snorkeling. Golf is a couple of hours north outside Manta," commented one expat living in Rio Chico, Ecuador.

"On the equator, we get sunrise at 6:30am and sunset at 6:30pm all year long. We are semi arid with cloudy days and some rain from May to December. Our warmest and sunniest days are Christmas to Easter. I use the AC in bedrooms during those months, but the ocean breeze is sufficient for the rest of the year," commented one expat who moved to Rio Chico.

"The best climate in the world. We have dry and rainy season only. The temperatures are 24-26 C (80s F) during the day and 14-15 C (57-60 F) at night all year round. Not too much humidity because we are in the mountains on 1600m (5250 feet) elevation," said one expat.

"As I'm sure you already know much of Southern Ecuador experiences a rainy and a dry season. The dry season is approximately June through September, while the rainy season is approximately October through May. I actually check the radar on weather.com and find it to be relatively accurate. Right now we are in the middle of rainy season which mostly means daily showers late in the afternoon," commented one expat living in Malacatos, Ecuador.

" Do not come to Cuenca looking for beach weather; mostly it is cooler here. We are now in the Spring-Summer season now. It goes to 70's during the day, but down to 50 at night. Now it is 58. No snow, and you're not scraping ice off your window, but the weather is mild spring," remarked one expat living in Ecuador.

"Rather warm, sometimes hot, but we have enjoyed warm after so many decades of cold in Minnesota. The rainy season has seemed long a few of the nine years we have been here, and it lasts nearly six months, (Nov. to April)," said one expat living in Catamayo and Loja.

"Good prices for eating out! Variety in both Catamayo and Loja. We can eat a very healthy, good meal for $5.00 in Catamayo. We have not participated in nightlife much just to go out to eat at different restaurants where sometimes you might have someone serenade you at your table," remarked one expat in Catamayo and Loja.

"While you will quickly adjust to shopping here, and find the supermercados very similar in layout and product to what you're used to, don't be afraid to go to the central markets to buy your fresh produce, poultry, fish, liver, veggies, etc. and test your haggling skills," said one expat living in Machala.

"We have organic market on Saturday and general market on Sunday. You can get fresh produce, meat and dairy. During the week many local shops offer fresh fruit, veggies, meat and other products, very plentiful. In Loja there is a supermarket called Supermaxi for more commercial and international products," mentioned one expat inVilcabamba.

"Local people shop at the local mom and pop stores. Expats travel to Bahia de Caraquez 45 minutes away or to Portoviejo 45 minutes away. There are big modern grocery stores there that have just about everything one would be used to back home. The prices are not bad either. There is also a large weekly vegetable market in Charapoto 10 minutes away every Sunday. In addition, there are trucks loaded with fruits and veggies that drive around town just about every day," commented one expat who moved to San Clemente, Ecuador.

"The latest residency visas are a two year temporary deal that can then be exchanged for a permanent one. Rules for qualifying stayed the same as when I came 3 years ago, but the temporary visa was a new idea instituted in 2017. The requirements of background checks and proof of ability to support yourself are pretty straightforward. Canadians have had good luck at getting visas before they arrive but most expats I know have used an expediting service or lawyer since the actual rules can change," said one expat.

"In Ecuador, foreign nationals must obtain a visa prior to entering the country for any purpose. US citizens are eligible for a tourist visa that is valid for 90 days. This visa can be extended at the Migración y Naturalización service office. To obtain a tourist visa, applicants must complete an online form and provide a valid passport, return flight ticket and proof of financial support. Those wishing to obtain residency must first obtain an authorization of residence from the Foreign Ministry. This must be done through an Ecuadorian consulate abroad before entering the country. To request an authorization, applicants need to provide a valid passport and birth certificate as well as documents detailing their purpose in the country and economic resources. After entering Ecuador with the authorization of residence, the applicant must then register with the Migration and Naturalization Service office and present additional required documents. The applicant must also undergo a background check by the authenticity of documents committee and sign declarations of nationality, residence, and other required documents. Once the residency application is approved, a residency card will be issued," commented one expat living in Ecuador.

"You can stay for 90 days with a valid passport (minimum 6 month validity from the expiration date). I refer everyone to attorney Floridalva Zambrano, Portoviejo office, for Visa/Residency information and assistance. The immigration laws change frequently," remarked one expat living in San Jacinto.

"That is a tough one! We made some mistakes, but the best way if one would choose to live in the area where we are to go to Cuenca. We know an ex-pat that told us after we had some serious problems, that we should have been able to get everything done there instead of traveling to Machala or Quito.," said one expat living in Catamayo and Loja.

"Do get IESS insurance. It will cover your coasts in the event of an accident or illness. As of July 2017, IESS will require payment on verified income, closing a loophole that allowed payment on claimed income. The obligated amount is 17.6% of the monthly verified income and 2.4% for each additional dependent. As an example, an expat on a limited pension of $800 a month would pay $140.80 A retired married couple living on their $1200 a month pay. $240. ," mentioned one expat inMontanita.

"The cost of medical care if much cheaper than the United States. I had back surgery for $8,000 and I only had to pay $1,000 deductible," commented one expat who moved to Quito, Ecuador.

"I relocated to Ecuador April 2022. On May 2nd 2022 I woke up with slight left hand arm pain. As the day progresses I became nauseated and dizzy. On the 3rd of May I had a buddy take me to a local clinic. They were impressive and within an hour diagnosed me with onset of heart issue and suggested I see cardiologist. Being as I was here only 3 weeks in Ecuador I personally decided to return to Houston Texas immediately and flew back. On the 4th of May I was admitted to Memorial Herman Hospital Woodlands Texas. I received a Quintuple Bypass (CABG) Graft the following day. I recuperated 7 weeks and returned to Ecuador. I fly back to Houston every 6 months and see my Cardiologist for exams and stress test. I've talked to expats who've had good results from Cardiologist in Ecuador and one even had a double bypass surgery in private hospital and is quite happy. I personally carry no private insurance. I'm okay with their health personal they diagnosed my health issues very impressively. Would I go through major health surgery in Ecuador. No. Not unless it was life threatening. But that's just me. ," remarked one expat living in Ecuador.

"Healthcare and health insurance in Ecuador can be expensive, depending on the type of coverage and services needed. Generally, public healthcare is available at a lower cost than private healthcare, but the quality of care may not be as high. Private health insurance can be expensive, but it can provide access to higher quality care and more specialized services. Additionally, many employers offer health insurance plans to their employees, which can help to reduce the cost of healthcare," commented one expat.

" We got private insurance during pandemic because the hospitals were full and one family member (Ecuadorian citizen) had to go to the hospital but there was no room. Ended up in a private clinic for 10 days at $1000 per day. You need to assess your risks. We got $30k private insurance each for $100 per month. Family member was young and healthy 30s but imagine if he had to be there for a month. Normal hospital bills are not bad, but with covid. I think the private clinics can charge what they want. Your visa requires medical insurance," said one expat living in Ecuador.