Retire in Ambergris Caye, Belize
Last updated on Apr 05, 2025
Summary: Retirees share their experiences living in Ambergris Caye, Belize. What are the challenges and rewards of retiring in Ambergris Caye?
What is it like to retire in Ambergris Caye?
"Life for a retiree in Ambergris Caye can be quite idyllic and relaxed, with a slow-paced lifestyle that is perfect for those looking to unwind after a lifetime of work. The island is known for its beautiful beaches, clear blue waters, and abundant marine life, making it a paradise for those who enjoy outdoor activities like swimming, snorkeling, and fishing. There is an active expat community in Ambergris Caye, with many retirees from the United States, Canada, and Europe choosing to spend their golden years here. This community often organizes social events and activities, providing plenty of opportunities for socializing and making new friends. Cultural attractions in and around Ambergris Caye include the ancient Mayan ruins of Lamanai and Altun Ha, which can be reached by boat or plane. The island itself is home to a unique blend of cultures, including Creole, Mestizo, Garifuna, and Maya, which is reflected in its food, music, and festivals. Recreational activities are plentiful in Ambergris Caye. Apart from water-based activities, retirees can also enjoy bird watching, hiking, and exploring the island's lush flora and fauna. The Belize Barrier Reef, the second largest in the world, is just off the coast of Ambergris Caye and offers excellent diving and snorkeling opportunities. Nightlife in Ambergris Caye is relatively low-key, with a handful of bars and restaurants offering live music and local cuisine. However, the island's main town, San Pedro, does have a few nightclubs for those seeking a more lively evening. Overall, life for a retiree in Ambergris Caye is peaceful and relaxed, with a strong sense of community and a wealth of natural beauty to explore," explained one retiree living in Ambergris Caye.

Get Quote
GeoBlue is a trusted leader in international health insurance. Wherever your destination, GeoBlue can keep you and your family covered with the right health insurance. Get a GeoBlue Quote Today!

GeoBlue is a trusted leader in international health insurance. Wherever your destination, GeoBlue can keep you and your family covered with the right health insurance. Get a GeoBlue Quote Today!
Get Quote
What advice do overseas retirees have for others considering retiring abroad?
"Retirees in Ambergris Caye advise others considering retiring abroad to thoroughly research the cost of living in their chosen destination, as it can vary greatly from what they are used to. They also suggest visiting the location multiple times before making a final decision, to get a feel for the culture, climate, and lifestyle. It's important to understand the healthcare system and ensure that you will have access to the medical services you may need. Learning the local language, even if it's just the basics, can greatly enhance your experience and make daily life easier. They also recommend making connections with both locals and other expats, as this can provide a valuable support network. It's also crucial to understand the immigration laws and ensure that you have the correct visas or residency permits. Lastly, they advise keeping an open mind and being adaptable, as living in a new country can present unexpected challenges and opportunities," remarked one retiree in Ambergris Caye.
What are the most challenging aspects of retiring in Ambergris Caye?
"One of the most challenging aspects of retiring in Ambergris Caye is the high cost of living, especially for imported goods and housing. The island is a popular tourist destination, which drives up prices. Another challenge is the lack of advanced healthcare facilities. While basic medical care is available, serious conditions often require travel to Belize City or even out of the country. The tropical climate, while attractive to many, can also be a challenge. The heat and humidity can be intense, and the area is prone to hurricanes. Language can also be a barrier for some retirees. While English is the official language of Belize, Spanish and Creole are widely spoken in Ambergris Caye. Finally, the slower pace of life, often referred to as "island time", can be frustrating for those used to more efficient services and infrastructure. This can affect everything from restaurant service to getting repairs done on your home," explained a retiree in Ambergris Caye.

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.
Click connect to have our partner contact you via e-mail and/or phone.

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.
Click connect to have our partner contact you via e-mail and/or phone.
What are the most rewarding aspects of retiring in Ambergris Caye?
"Retiring in Ambergris Caye offers a relaxed and laid-back lifestyle, with beautiful beaches and crystal-clear waters right at your doorstep. The cost of living is relatively low compared to many other retirement destinations, making it an affordable option for many retirees. The local community is friendly and welcoming, with a diverse mix of locals and expats. The island offers a range of outdoor activities, from snorkeling and diving to fishing and boating, providing plenty of opportunities for an active retirement. The climate is tropical, with warm temperatures year-round, making it an ideal destination for those who enjoy sunshine and outdoor living. The healthcare system in Belize is also good, with a range of services available at a reasonable cost. The island's close proximity to the United States also makes it convenient for visits from family and friends. Lastly, Belize has a retiree program that offers a range of benefits, including tax breaks, making it an attractive option for those looking to retire abroad," said a person in Ambergris Caye.
What are healthcare services like in Ambergris Caye?
We asked retirees if they have access to good medical care in Ambergris Caye. They wrote:
"Healthcare services in Ambergris Caye are relatively basic, with a few clinics and pharmacies available for residents and tourists. The island has a hyperbaric chamber for diving-related injuries, which is a crucial service given the popularity of diving in the area. For more serious medical conditions or emergencies, patients are typically transported to larger hospitals in Belize City or even outside the country. The healthcare professionals are generally well-trained and provide good care, but the facilities and equipment may not be as advanced as those in larger, more developed countries. Health insurance is highly recommended for visitors, as medical evacuation can be quite costly. Despite these limitations, the healthcare system in Ambergris Caye is generally able to handle most common health issues and minor emergencies," said one retiree in Ambergris Caye.
How do I meet people in Ambergris Caye?
When we asked people living in Ambergris Caye about club and activities where newcomers can meet others, they responded:
"It is really easy to meet people on Ambergris Caye. Here are just a few ideas of where we regularly socialize. Anything outdoor and health oriented is great on the island. My husband and I built the San Pedro Fitness Club, so I go there most days. Ladies tend to enjoy the water fitness classes, in particular, since it is both exercise and social time. But there are sailing groups, plenty of scuba and snorkeling opportunities, places that specialize in sailing or kayaking, and fishing groups and competitions. There are now also several yoga schools where you will meet health oriented people. So for those of us who like to balance healthy activities with a little indulgence, it is easy to do here... For those who enjoy live music, there are a variety of places where people hang out and listen to local bands, all for free. Beach bars include Crazy Canucks, BCs, and Fidos, all near town. On the north side, Legends often has good music. We love to dance to a live band on the beach, cooled by a sea breeze! Sunday afternoon lunch is a time when everyone goes out for beach BBQ and to socialize. Popular places include Caribbean Villas (they have plenty of water toys), Crazy Canucks, BCs, and the Palapa Bar (up north). We go to Wine de Vine on Friday nights. This is a "smoke free" environment where many expats, business owners and tourists drop in for a nice glass of wine, and a cheese platter. There are regular festivals and fund raiser events that many expats attend. It is a great way to socialize and also donate to a good cause. There are more volunteer organizations than I can mention. Many expats join both to contribute, and to meet people. The most popular are the Saga Society (which is the local Humane Society), the churches, Lion's Club, and various school organizations. Some groups get together to play cards such as bridge. And many of us get together for group dinners. Sometimes we meet a favorite restaurant. Other times we enjoy a pot luck with friends," said one retiree in Ambergris Caye.
"Expats in Ambergris Caye often join a variety of clubs and activities to meet people and integrate into the local community. These include diving and snorkeling clubs, due to the island's proximity to the world's second-largest barrier reef. There are also fishing clubs, as the area is renowned for its excellent fishing opportunities. For those interested in fitness and wellness, there are yoga and pilates classes, as well as gyms and sports clubs. Expats can also participate in local charity organizations and volunteer groups, which not only provide a chance to meet people but also to give back to the community. Cultural activities such as cooking classes, language exchange groups, and art workshops are also popular among expats. These activities provide an opportunity to learn more about the local culture and traditions, as well as meet like-minded individuals. In addition to joining clubs and activities, expats often meet people through social events and gatherings. These can range from informal beach barbecues and parties to more formal events like wine tastings or charity galas. Many expats also meet people through their children's schools or through local churches. Another popular way for expats to meet people in Ambergris Caye is by participating in local festivals and events. These can include everything from the annual Lobster Fest to the San Pedro Carnival, both of which attract locals and expats alike. Finally, simply being open and friendly can go a long way in meeting people in Ambergris Caye. The local community is known for its welcoming and friendly nature, and many expats find that simply striking up a conversation with a neighbor or local shop owner can lead to lasting friendships," commented one retiree living in Ambergris Caye, Belize.
What is life like in Ambergris Caye?
When we asked people living in Ambergris Caye what life is like and how people spend their time, they said:
"It's a real mixed bag. The Belizeans are all working, as do many expats. Some expats live here only 3-6 months a year. We all have different priorities. You can find whatever you are looking for. But family is very important to Belizeans. So there are a lot of festivals and performances that we expats join in for. Socializing is really big here. We spend much more time with friends than we ever did in California. We still are very involved in business, but that also involves a lot of socializing. For us, our lives include all of the above," remarked one retiree in Ambergris Caye.
"Life for expats and digital nomads in Ambergris Caye is often described as relaxed and laid-back, with a slow pace of life that many find appealing. The island is known for its beautiful beaches, clear waters, and abundant marine life, making it a paradise for those who enjoy outdoor activities such as snorkeling, diving, and fishing. The local community is friendly and welcoming, with a mix of locals and expats from around the world. English is widely spoken, which makes it easier for expats to communicate and integrate into the local culture. The cost of living is relatively low compared to many other popular expat destinations, although it can vary depending on lifestyle choices. Housing options range from modest apartments to luxury beachfront villas. For digital nomads, the internet connectivity is generally good, but it can sometimes be unreliable, especially during storms. There are several coworking spaces available, as well as cafes and restaurants with Wi-Fi. The island has a vibrant nightlife with a variety of bars and restaurants offering local and international cuisine. There are also plenty of opportunities to socialize and meet other expats, with regular events and gatherings. Healthcare facilities on the island are basic, but adequate for minor health issues. For more serious conditions, expats often travel to Belize City or even abroad. Despite the relaxed lifestyle, it's important to note that Ambergris Caye is a developing country and there can be challenges such as occasional power outages, limited shopping options, and the need to be vigilant about personal safety. Overall, Ambergris Caye offers a unique blend of Caribbean charm, natural beauty, and a relaxed lifestyle that many expats and digital nomads find appealing," said a retiree who moved to Ambergris Caye, Belize.

GeoBlue is a trusted leader in international health insurance. Wherever your destination, GeoBlue can keep you and your family covered with the right health insurance. Get a GeoBlue Quote Today!

GeoBlue is a trusted leader in international health insurance. Wherever your destination, GeoBlue can keep you and your family covered with the right health insurance. Get a GeoBlue Quote Today!
What do I need to know before retiring in Ambergris Caye?
When we asked people what advice they would give someone preparing to move to Ambergris Caye, they said:
"Come check it out first and spend some time. I visited here for a number of years before deciding I could live here fulltime. I knew how I'd spend my time. I have never regretted it. But I knew what I was getting into," commented one retiree living in Ambergris Caye, Belize.
"Ambergris Caye, is a popular destination for expats due to its tropical climate, English-speaking population, and relaxed lifestyle. Before retiring there, it's important to understand a few key things. Firstly, Belize has a relatively low cost of living compared to many Western countries, but it's still essential to have a clear financial plan. The Belizean dollar is tied to the US dollar, which can make financial planning easier. Secondly, healthcare in Belize is generally of a good standard, but it may not be as advanced as in some Western countries. Expats often choose to have health insurance that covers medical evacuation, in case they need to return to their home country for treatment. Thirdly, while English is the official language, Spanish is also widely spoken. Learning some basic Spanish can be helpful, especially in more rural areas. Fourthly, Belize has a hot, tropical climate. This can be a big adjustment for those used to cooler climates, and it's important to consider how well you'll cope with the heat and humidity. Fifthly, Belize's infrastructure can be less developed than in some Western countries. This can mean occasional power outages, slow internet, and bumpy roads. Lastly, Belize has a relaxed, laid-back culture. This can be a big draw for some people, but it can also mean that things often move at a slower pace than you might be used to. It's important to be patient and to adjust your expectations accordingly. In conclusion, retiring in Ambergris Caye, Belize, can offer a relaxed, tropical lifestyle. However, it's important to do your research and to be prepared for the differences in culture, climate, and infrastructure," explained one retiree living in Ambergris Caye.
About the Author
Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International
and Mass Market Marketing. She graduated from Ohio Wesleyan University
with a BA in International Business and German.
Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.