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Retire in Santa Catalina, Panama | Expat Exchange
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Retire in Santa Catalina, Panama

By Joshua Wood, LPC

Last updated on Mar 08, 2025

Summary: What is it like to retire in Santa Catalina, Panama? Retirees share their experiences living in Santa Catalina.

Kovalenko & Vera Attorneys at Law in Panama
Kovalenko & Vera Attorneys at Law in Panama
Kovalenko & Vera Attorneys at Law in Panama
Kovalenko & Vera Attorneys at Law in Panama

What is it like to retire in Santa Catalina?

"Life for a retiree in Santa Catalina can be quite serene and peaceful. This small fishing village offers a laid-back lifestyle with a slow pace that many retirees find appealing. The area is known for its natural beauty, including stunning beaches and a national marine park, which provides ample opportunities for outdoor activities such as swimming, surfing, fishing, and bird watching. There is a small but growing expat community in Santa Catalina, made up of people from various countries who have chosen to make this tranquil spot their home. The locals are friendly and welcoming, and it's easy to get involved in community activities. Cultural attractions in the area include local festivals and events, as well as opportunities to learn about the indigenous cultures of Panama. The nearby city of Santiago also offers museums, historical sites, and other cultural attractions. Recreational activities are abundant in Santa Catalina. The area is a world-renowned surfing destination, and there are also opportunities for snorkeling, scuba diving, and hiking. The Coiba National Marine Park is a UNESCO World Heritage Site and offers incredible biodiversity for nature lovers to explore. Nightlife in Santa Catalina is quiet compared to larger cities, but there are a few local bars and restaurants where you can enjoy a meal, have a drink, and meet other residents. Some places offer live music on certain nights. Overall, life for a retiree in Santa Catalina, Panama is relaxed and filled with natural beauty. It's a great place for those who want to escape the hustle and bustle of city life and enjoy a slower pace in a beautiful setting," said a person in Santa Catalina.

Kovalenko & Vera Attorneys at Law in PanamaKovalenko & Vera Attorneys at Law in Panama
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Kovalenko & Vera is a Panamanian law firm that specializes in immigration law, corporate law, real estate law, banking, contract negotiation, taxes and flag registry. With more than 20 years of professional practice, Kovalenko & Vera builds lasting relationships with our clients to ensure your interests are safeguarded.

Click connect to have our partner contact you via e-mail and/or phone.

Kovalenko & Vera Attorneys at Law in PanamaKovalenko & Vera Attorneys at Law in Panama

Kovalenko & Vera is a Panamanian law firm that specializes in immigration law, corporate law, real estate law, banking, contract negotiation, taxes and flag registry. With more than 20 years of professional practice, Kovalenko & Vera builds lasting relationships with our clients to ensure your interests are safeguarded.
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Click connect to have our partner contact you via e-mail and/or phone.

What advice do overseas retirees have for others considering retiring abroad?

"Retirees in Santa Catalina advise others considering retiring abroad to thoroughly research the cost of living in their chosen destination, as it can vary greatly from one place to another. They suggest learning the local language, as it can greatly enhance the experience and make daily life easier. It's also important to understand the healthcare system and ensure you have adequate coverage. They recommend visiting the location multiple times before making a decision, to get a feel for the culture, climate, and lifestyle. They also suggest renting a home before buying, to ensure the location is a good fit. It's also crucial to understand the local laws and regulations, especially those related to residency and property ownership. Lastly, they advise maintaining a flexible attitude, as living in a new country can present unexpected challenges and opportunities," remarked one retiree in Santa Catalina.

What are the most challenging aspects of retiring in Santa Catalina?

"1. One of the most challenging aspects of retiring in Santa Catalina is the language barrier. If you don't speak Spanish, communication can be difficult as English is not widely spoken in this area. 2. The remote location of Santa Catalina can also be a challenge. It is a small village located far from major cities, which means access to certain amenities and services such as hospitals, shopping centers, and airports can be limited. 3. The lack of public transportation in Santa Catalina can be a problem for retirees who do not drive or own a car. 4. The hot and humid climate of Santa Catalina may not be suitable for everyone, especially those with certain health conditions. 5. The cost of living can also be a challenge. While it is lower than in many parts of the U.S., it is higher than in other parts of Panama. 6. The slow pace of life in Santa Catalina may not appeal to everyone. Those who are used to a busy, active lifestyle may find it difficult to adjust. 7. Access to high-speed internet can be a challenge in Santa Catalina, which can be a problem for those who rely on it for communication or entertainment. 8. Lastly, the process of obtaining residency in Panama can be complex and time-consuming, which can be a significant challenge for those looking to retire there," said one retiree in Santa Catalina.

Panama Legal Business (PANLEB)

Explore Panama Legal Business for a full suite of legal services tailored to your needs. From obtaining residency and visas to opening bank accounts, obtaining apostilles, conducting background checks, setting up businesses, and navigating real estate transactions, trust our experience and dedication to guide you through every step of the process in Panama.

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Panama Legal Business (PANLEB)

Explore Panama Legal Business for a full suite of legal services tailored to your needs. From obtaining residency and visas to opening bank accounts, obtaining apostilles, conducting background checks, setting up businesses, and navigating real estate transactions, trust our experience and dedication to guide you through every step of the process in Panama.

Learn MoreGet Quotes

What are the most rewarding aspects of retiring in Santa Catalina?

"1. Santa Catalina offers a tranquil and relaxed lifestyle, perfect for those looking to retire in peace and serenity. 2. The cost of living is relatively low compared to many Western countries, making it an affordable option for retirees. 3. The region boasts a warm tropical climate year-round, which can be a welcome change for those used to colder climates. 4. Santa Catalina is known for its natural beauty, with lush landscapes, pristine beaches, and abundant wildlife, providing endless opportunities for outdoor activities. 5. The local community is friendly and welcoming, making it easy for retirees to integrate and make new friends. 6. The healthcare system in Panama is of a high standard, with many doctors speaking English, ensuring retirees have access to good medical care. 7. Santa Catalina is a world-renowned surfing destination, offering retirees the chance to learn a new sport or continue an existing passion. 8. The region's rich culture and history provide plenty of opportunities for exploration and learning. 9. The fresh seafood and local cuisine are another highlight, with many restaurants and markets offering a variety of delicious options. 10. Despite its peaceful ambiance, Santa Catalina is easily accessible, with good infrastructure and transport links to other parts of Panama and beyond," remarked one retiree in Santa Catalina.

What are healthcare services like in Santa Catalina?

We asked retirees if they have access to good medical care in Santa Catalina. They wrote:

"Santa Catalina, is a small and remote village, so healthcare services are quite limited. There is a local health clinic in the town that provides basic medical services. The clinic is staffed by nurses and occasionally visited by a doctor. For serious medical conditions and emergencies, residents often have to travel to larger cities like Santiago or Panama City. These cities have larger hospitals with more specialized care. Despite the limitations, the local clinic in Santa Catalina is known to provide good basic care and the staff is praised for their dedication to the community. The government has also been making efforts to improve healthcare services in these remote areas. However, it's recommended for visitors to have travel insurance that covers medical evacuation, as the local facilities may not be equipped to handle serious or complex medical conditions," said a retiree who moved to Santa Catalina, Panama.

How do I meet people in Santa Catalina?

When we asked people living in Santa Catalina about club and activities where newcomers can meet others, they responded:

"Meeting people in Santa Catalina is quite easy, given its highly touristic nature. You'll encounter expatriates from all over the world. Moreover, the local community is known for its hospitality and friendliness, making it even easier to strike up new friendships. Whether you're at the beach, in a local restaurant, or engaging in outdoor activities like surfing or diving, there are always opportunities to meet interesting individuals and share unforgettable experiences," wrote Moises Alvarado N. from Panama Legal Business (PANLEB).

Moisés Alvarado Navarro is an experienced legal advisor in Panama and has assisted numerous foreigners in establishing themselves in Panama.

Click connect to have our partner, Moises, contact you via e-mail and/or phone.

Moisés Alvarado Navarro is an experienced legal advisor in Panama and has assisted numerous foreigners in establishing themselves in Panama.

Click connect to have our partner, Moises, contact you via e-mail and/or phone.

"Santa Catalina, is a popular destination for expats, particularly those who enjoy outdoor activities. Many expats join local surfing clubs, as Santa Catalina is renowned for its excellent surfing conditions. There are also diving clubs that explore the nearby Coiba National Marine Park, which is a UNESCO World Heritage Site. For those who prefer land-based activities, there are yoga classes and horseback riding clubs. Some expats also participate in local volunteer activities, such as beach clean-ups and community development projects, which are great ways to meet locals and other expats alike. In addition to joining clubs and activities, expats often meet people through social events and gatherings. Many local restaurants and bars host live music nights, trivia contests, and other events that attract a diverse crowd. Expats also meet people through language exchange programs. These programs pair up locals who want to practice English with expats who want to learn Spanish, creating a mutually beneficial relationship and a great way to make new friends. Finally, there are also online communities and forums where expats in Santa Catalina can connect, share advice, and plan meet-ups. These online platforms are particularly useful for new arrivals who are still finding their feet in their new home," said a retiree who moved to Santa Catalina, Panama.

What is life like in Santa Catalina?

When we asked people living in Santa Catalina what life is like and how people spend their time, they said:

"Life for expats and digital nomads in Santa Catalina is a blend of tranquility and adventure. The small fishing village offers a laid-back lifestyle with its pristine beaches, lush forests, and warm, welcoming locals. The cost of living is relatively low, making it an attractive destination for those looking to live comfortably on a budget. The community is tight-knit, with expats and locals mingling freely, often bonding over shared meals or during community events. The local cuisine is a delightful mix of fresh seafood, tropical fruits, and traditional Panamanian dishes. For the adventurous, Santa Catalina offers world-class surfing, diving, and hiking opportunities. The village is also a gateway to Coiba National Park, a UNESCO World Heritage Site known for its rich biodiversity. Despite its remote location, Santa Catalina has a reliable internet connection, making it a suitable place for digital nomads. However, the pace of life is slower, and amenities are basic compared to larger cities. Learning Spanish can enhance the experience as not all locals speak English. Overall, Santa Catalina offers a unique, relaxed lifestyle for expats and digital nomads who appreciate nature, adventure, and a sense of community," remarked one retiree in Santa Catalina.

Kovalenko & Vera Attorneys at Law in Panama

Kovalenko & Vera is a Panamanian law firm that specializes in immigration law, corporate law, real estate law, banking, contract negotiation, taxes and flag registry. With more than 20 years of professional practice, Kovalenko & Vera builds lasting relationships with our clients to ensure your interests are safeguarded.

Learn MoreConnect

Click connect to have our partner contact you via e-mail and/or phone.

Kovalenko & Vera Attorneys at Law in Panama

Kovalenko & Vera is a Panamanian law firm that specializes in immigration law, corporate law, real estate law, banking, contract negotiation, taxes and flag registry. With more than 20 years of professional practice, Kovalenko & Vera builds lasting relationships with our clients to ensure your interests are safeguarded.

Learn MoreConnect

Click connect to have our partner contact you via e-mail and/or phone.

What do I need to know before retiring in Santa Catalina?

When we asked people what advice they would give someone preparing to move to Santa Catalina, they said:

"Santa Catalina, is a small fishing village known for its laid-back lifestyle, making it an ideal retirement destination for expats seeking tranquility. Before retiring there, expats should know that the cost of living is relatively low compared to other countries, but it's essential to have a clear understanding of your budget and financial situation. The official language is Spanish, so learning the language or at least basic phrases can be beneficial. The healthcare system in Panama is generally good, but in Santa Catalina, access to medical facilities may be limited due to its remote location. Therefore, it's advisable to have a comprehensive health insurance plan. The climate is tropical, with a wet and dry season, and it can be quite hot and humid. Expats should be prepared for this type of weather and the potential for tropical storms. Santa Catalina is a popular destination for surfing and scuba diving, so it's perfect for retirees who enjoy these activities. However, it's a small town with limited amenities, so if you're used to city life with a wide variety of entertainment options, it may not be the right fit for you. Panama uses the US dollar as its currency, which can make financial transitions easier for American retirees. However, banking and taxation laws can be complex, so it's recommended to seek advice from a financial advisor familiar with Panamanian laws. Lastly, it's important to understand the visa and residency requirements in Panama. The country offers several visa options for retirees, including the Pensionado visa, which provides several benefits. However, the process can be lengthy and requires specific documentation, so it's advisable to start this process well in advance of your planned move," explained one retiree living in Santa Catalina.

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

Kovalenko & Vera Attorneys at Law in Panama
Kovalenko & Vera Attorneys at Law in Panama

We've partnered with Kovalenko & Vera to help with your move.
Learn More

Kovalenko & Vera Attorneys at Law in PanamaKovalenko & Vera Attorneys at Law in Panama

We've partnered with Kovalenko & Vera to help with your move.
Learn More

Kovalenko & Vera Attorneys at Law in Panama
Kovalenko & Vera Attorneys at Law in Panama

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