Retire in Ecuador

"We live close to Cotacachi, which does have an ex-pat population but is also the most charming and prettiest of Ecuadorian cities I have seen, which is most of them. We live a few klicks outside of Cotacachi, in farm country. We have horses below, cows and corn above; and all around quiet, peace and friendly neighbors. What's not to like?," said a person in Cotacachi.

"I am in an area (Valle de los Chillos) outside of Quito and I don't know if there are expat activities because I have integrated so we go to regular activities with the locals. Not everyone is interested in being in a location with lots of expats. "Communities" are like families. You may find people you enjoy but are also likely to find people that you have nothing else in common with or that are irritating to you. Please have a good think about your social likes and dislikes and factor that into your decisions on where to live. Not sure for most people if the social aspect should be the major part of the decision but to each his own. The locals are typically at least curious if not downright welcoming. Please feel free to enter a community that does not have a lot of expat activities if that is your thing. Also there may be people like me there that are ready to be friends without all the scheduling and organizing. If you decide to do that, please rent for an extended period in the area you are considering to be sure you are ok without the support group," remarked one retiree in Ecuador.

"It is not for everyone, if you have not traveled outside your country you should check it out before moving. Many expats move here and after 6 months to a year many go back to the US! Many might miss family or just can't adjust to a non- English speaking country. My blog offers a good idea of live here: google: AAA Living in Cuenca or my book Why Ecuador for me is available on kindle through amazon.com," said one retiree in living in Cuenca, Ecuador.

"I lived most of my life (almost 50 years) on two small islands between Vancouver Island and the mainland of Canada. and moved here directly without exploring many other options. other than the usual voyages to Europe and Central America. And yes, it has been a major, major change. Adventurous, challenging, and rife with opportunities to stretch. So, what do I think now? Not a love/hate relationship. Too strong. More like/dislike. The basics I do love: The climate in the Andes is really perfect. The ready availability of wonderful produce/fruit/meats at a very low price is a huge plus. The cost of living, which I estimate at about 10 – 15% of costs in Canada makes it possible for us to live well on my meager pension and maintain my investment portfolio for travel and splurges," explained a retiree in Cotacachi.

"Really, it's been pretty easy. The biggest challenge has been preparing to move, shipping our goods and getting the visas," said one retiree in living in Manglaralto, Ecuador.

"No English and lots of illogical bureaucracy. Wish i had a dollar for everytime i heard Lamentablemente in a government office (unfortunately)....Daily life is more like USA in 1950s, small town shopping in small stores but it is more interesting. My latest hunt was for Epsom salts for my bath. Not in pharmacies nor larger stores, maybe could be found in a specialty pharmacy in Quito an hour away. Bathtubs are not common here so bath salts nobody knows. Found it on Mercadolibre which is like Ebay or Craigslist," explained a retiree in Ecuador.

"One challenge of retiring in Ecuador is that the cost of living is significantly lower there than in other countries, which can be difficult for people used to a higher standard of living. Additionally, the language barrier can be difficult for many retirees since Spanish is the primary language in Ecuador. Retirees may also find that many public services and amenities are not as developed in Ecuador as in other countries. Lastly, the lack of access to high-quality healthcare facilities and services can be a challenge for many retirees, given their needs for specialized care," explained one retiree living in Ecuador.

"Scenery is gorgeous, people are friendly and very patient. The outdoor life is great. We do not have a treadmill, it is too beautiful and too great a climate to walk each day," said one retiree in living in Ecuador.

"In Ecuador, healthcare services exist throughout the country, with primary health care clinics, private clinics and hospitals, and public hospitals all providing healthcare to citizens. Access to healthcare is provided on a sliding scale, with fees being assessed based on income. Primary health care clinics emphasize preventive medicine, but also provide diagnosis, treatment, immunizations and referrals to specialists in the public health system. Private clinics and hospitals provide higher quality services, but often at a much higher cost. Public hospitals generally do not provide healthcare services for free, but may offer subsidized services depending on the situation. Access to specialized and hospital-based care is limited, but increasing as Ecuador invests in greater access and quality of care," said one retiree in Ecuador.

"Your choice of the free hospital or higher cost facilities. Also qualify for the Social Security hospital here 100% coverage for $72 a month," commented one retiree living in Cuenca, 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," said a person in Bahia de Caracruz.

"There are now two expat groups which meet in Cuenca each Friday night at 5 p.m. One is at Zoes and the other at the Ecualyptus. From here you can meet and greet other expats and then extend you network," remarked one retiree in Cuenca.

"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)," said a retiree who moved to Ecuador.

"Use your skills to get some form of employment. Consult, teach, help with a multitude of civic type organizations. Immerse yourself into the life," said one retiree in Ibarra.

"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," commented one retiree living in Cuenca, Ecuador.

"Cuenca has a lot going for it as far as the arts. There are always free concerts that you can attend in the city. Art festivals, Choirs, Orchestras you name it. This is a very family oriented society and life revolves around the family. My local business colleagues are always spending time with their families on the weekends and we should learn from them. They have a wonderful network of family around them. Religious events are a time for parades, church and other activities," explained one retiree living in Cuenca.

"This is a tourist town that only has tourists occasionally. Most people do menial jobs," said one retiree in living in Bahia de Caraquez, Ecuador.

"People here have one main priority- putting food on the table and caring for their family. They work 7 days a week when they have work. They sell items on the street, bake bread and torts for sale, clean, do general labor or what they can to exist. They are mostly industrious, though there are those few who will loaf, steal, and rob to stay alive. Those with solid jobs then concentrate on their children and homes. The wealthy associate with others like themselves. Most are middle class here- which would be considered dirt poor in the US. I have not met a single discourteous or unkind person toward foreigners. Everyone says Good morning or afternoon as you meet. They are respectful of older persons and help those whom are infirm and need assistence. In many ways it is like the US was back in the 1950's when life was slower, easier going and people had respect for each other," explained a retiree in Bahia de Caracruz.

"Ibarra is the capitol of Imbabura and as such has many lawyers in the area but it is primarily agricultural with a lot of commerce going on. It is the largest of the cities in this province and offers a lot of night life, greater restaurant selection and a pretty progressive city leadership," explained one retiree living in Ibarra.

"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 a person in Quito.

"Canoa has a great beach, nice little town, good feel about it. We first made up our mind on Ecuador 10 years ago, it’s taken us 9 years to finally get here, if we have 1 regret we should have done it a few years earlier. We built a nice home, we enjoy a lovely beach view. But it’s not for everyone, it’s not like a western country, so keep that in mind. A much slower pace, some little things appear to bother people. For us we love it. Being here through this tough period of time worldwide, we keep saying what a great move we made," remarked one retiree in Canoa.

"The current wisdom is to try any country on for size for a few months and Ecuador is no exception. And happily, the Ecuadorian government makes it reasonably easy to do, for up to six months. When you land and they stamp your passport that gives you a 90-day visa, Basically 3 months. The day after that visa expires you have to present yourself and your passport at an office of "Migración" where they will give you a slip of paper to take to a Banco Pacifico to pay $140 (not positive if that is still the amount but it was a few months ago for my step-son's Mexican fiancé). You take the payment voucher back to Migración and they stamp your passport for another 3 months. Problem solved. Happy exploration. That is the process for both Canadian and US visitors but I don't know the regulations for other countries outside of South America," said a retiree who moved to Cotacachi, Ecuador.

"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," explained one member in Vilcabamba.

"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," said one retiree in Rio Chico.

"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," explained one retiree living in San Clemente.