Moving to Costa Rica

"Do lots of experiential travel and due diligence. It is easy to get rose colored glasses because Costa Rica is so beautiful and the people are so nice. Gringo's are viewed as wealthy and easy targets for getting taken advantage of, plus the legal system is a jungle as well. Do your work upfront, get lots of advice from others and reference everyone, even if you think they are honorable. If you want to enjoy Costa Rica, don't learn by trial and fire or it will taint your experience and enjoyment," commented one expat who made the move to Paquera.

"Costa Rica is a small but incredibly beautiful country with a thriving expat community. Expats should be aware of the tropical climate and prepared to experience hurricane season from May to December. Before moving to Costa Rica, expats should take into consideration the unique health care system, with the majority of citizens having universal coverage. It is also important for expats to have a basic knowledge of the culture and the Spanish language in order to more easily navigate the country. Additionally, the cost of living in Costa Rica can be high, especially in the larger cities, and it is advised to investigate all potential sources of income and job openings prior to making the move," remarked one expat in Costa Rica.

"Decide if you like the country or the city, what size housing you prefer, what you like to do, what type of climate you prefer, there are 11 different micro climates within a short distance. Most expats I help want to get residency or citizenship, buy a house and start a business. besides enjoying the beaches, the mountains, the rain forest, etc," said one expat in San Jose.

"Demand that your company arranges everything! Costa Rica is a highly bureacratic country so you will not want to get involved in any of that. Your company should give you some alternatives and you should do nothing more than approving their selection. Trying to do things on your own will only give you stomach ulcer," remarked one expat who made the move to San Jose.

"ESCAZU!!! Even our local Tico friends (who were all educated in the states) and have lived all over CR would agree. CR is booming right now, at least for professionals in law, medicine, computer science/network administration, & architecture/engineering. Our best friend here has to hire software engineers from India because CR workers are so expensive and doing so well here. This is just our opinion of course. For example, one of our son's opinions when he visits us in Escazu is disgust. He thinks why leave the states to just live in an expensive, English speaking, mini-California suburb. He leaves as quickly as he can to stay in the rural & beach areas (he luckily speaks fluent Spanish) to escape our lifestyle. He could never afford to live in Escazu as a musician/artist. Final note and a plug for Outlier Legal and the founder attorney Rafael Valverde who went to law school in the states. Do not make the move without reading his website articles at the very least & he and his team provided enormous support (and still do) in dealing with the puzzling and very unpredictable bureaucracy that is CR," explained one expat living in Escazu, Costa Rica.

"Costa Rica is a great place to live and there are many options for finding a suitable location to call home. A good first step is to research the areas of the country you may be interested in and determine what type of lifestyle and accommodations suit you best. You can research online using resources such as TripAdvisor, Airbnb, and Craigslist to get an idea of what is available in each region. Additionally, there are a variety of real estate agencies located throughout Costa Rica that can help you find a suitable living space. Ask around for recommendations and make sure to select a reputable agency. Finally, you can reach out to the expat community for advice, as they are generally well informed about housing options," replied a member in Costa Rica.

"We live in Samara on the Nicoya Peninsula. It’s a really wonderful little beach town. Lots of good restaurants. Mostly CR population but also quite a lot of expats. Super nice beach. Near large town of Nicoya for convenience. Good roads - important! Our landlord has a new construction house available 2 BR/ 1 BA for $1,000/month. We are three miles from town and the beach. We seriously love the area and our landlord is wonderful," commented one expat who made the move to Costa Rica.

"I was basically told in what area to live. Most expats live in Escazu, Santa Ana or Rohrmoser. Then I went with several agents to look at possible apartments. After that you start haggling!!! (Hagglig is essential. I have seen houses come down from 4500 USD a month to 2500.)," remarked one expat in San Jose, Costa Rica.

"I traveled all over Costa Rica after purchasing a home in Ostional and not being happy. I stayed in San Jose, Arenal, and along the beach towns of the Pacific coast. I then went to an area that was not revealed in all of the social media and publications to see what it was like and stayed at an all inclusive in Tambor. This area was like a diamond in the rough to me. So, I "stumbled" upon it, just traveling around and getting to know Costa Rica," said one expat in Paquera.

"We spent 4 years staying for short time in a number of areas. We recognize CA prices are not reflective of Florida or Texas prices. Adjust accordingly. 3 choices: The beach areas: Ridiculously hot & damp; humid so A/C runs non-stop, Where as in Escazu we rarely need it as the temperatures in the Central Valley at 4,000 feet rarely go above 80 or below 63. Rarely use A/C but if we do electricity is crazy cheap in CR unlike CA. The water is great here too, No need anywhere in CR for bottled water like CA. We still love to visit the beach which is only 2 hours away (Pacific side) but just not live there. Central Valley: 3 choices Heredia (nice but a little too rural), Santa Anna (a little too hot & too small, (Although the golf course is amazing there!), and the best in our mind Escazu. The perfect location in Escazu is anywhere close to the Costa Rica Country Club (no we could never afford to belong). Five years ago, we stayed in La Sabana (loved it) first as our home base and after many stays all around CR returned and bought a beautiful condo with high security in Escazu. The cost was 20% of what our condo was in San Diego and 4 times the size! We can walk (or a truly short drive) to so many restaurants, large supermarkets, shops and even two great movie theatres showing films in English! Food was a big worry, yet in Escazu we can buy the same foods we enjoy in the states (and lots of great Italian restaurants!). And virtually no mosquitoes at this elevation unlike the beaches! Also, best hospital in central America only 2 miles away (CIMA, JCHO accredited, many English-speaking docs). Ditto for dentistry. All much cheaper than the states. If you do not know any Spanish (like us) and now retired in your late 60’s, learning a new language can be stressful, Hence Escazu. Our culture shock has been minimal which has been a big relief, but we like the challenges of learning Spanish, & have learned the patience it takes (Tico Time) like spending 3 hours in a bank just to get a new debit card, which stopped working for some unknown reason after a month, needing an attorney to buy a car, etc. But some things are very fast like walking 3 blocks to our internet/TV provider (by the way great hi-speed) and getting service sent to our condo, multiple times, within the hour! And everyone is soooo happy and helpful! The politest most respectful drivers we have ever seen. We have traveled all over the world and have never experienced such absolute courtesy on such a grand scale. Certainly not in the states. And we have made a number of Tico professional friends here, been to their homes (very welcoming) and they have been nothing but helpful, sincere and trustworthy. They truly are the happiest people in the world! By the way we have spent a lot of time in Mexico (my brother lives there) and that is a dangerous unpredictable place compared to CR, but certainly cheaper as is Belize (truly scary)," remarked one expat who made the move to Escazu.

"A typical expat home or apartment in Costa Rica is usually quite modern with modern amenities such as air conditioning, cable or satellite television and fast internet access. Costa Rica also offers a wide range of accommodation to suit a range of budgets – from luxury condos and villas to more affordable apartments and family homes. Many properties come with terraces or balconies that provide sweeping views of nature, and most are surrounded by lush tropical vegetation like banana trees, mango trees and palms. Depending on the location, some expats also benefit from on-site amenities such as swimming pools, gymnasiums and patios," said one expat in Costa Rica.

"Condo with high security. However we never feel fearful walking at night to our favorite restaurants or store as their are guards everywhere. This is true pretty much everywhere we have been in CR. We have always felt very safe (unlike dealing we the herds of homeless drug addicts in CA)," remarked one expat who made the move to Escazu.

"Most expats live in condos or houses with small gardens and enormous fences with barbered wire," explained one expat living in San Jose, Costa Rica.

"It depends on how close you want to be to the water. Are you willing to live in the surrounding area like Huacus or Villareal? It can be anywhere from $600 to thousands," said one expat in Tamarindo.

"I rent because I do not want to be tied down to a piece of property. Also property is expensive. My rental agreement was easy to understand, only about 4 pages (2 of them inventory of furnishings). I negotiated the terms from 12 months to 6 and the rent amount. It was not difficult at all," said one expat in San Jose.

"Buying a home in Costa Rica can be a great investment. It can provide you with a steady source of income through renting or reselling, while at the same time providing you with a beautiful tropical paradise to call your own. Renting, on the other hand, gives you the flexibility to move after a few months or years without having to worry about reselling or waiting for the real estate market to improve. Ultimately, it all depends on what your individual needs and preferences are. If you want the security of owning a home, then purchasing may be the best option for you. However, if you prefer the freedom to move around, then renting might be a better solution," remarked one expat who made the move to Costa Rica.

"When moving to Costa Rica, you should pack sunscreen, sunglasses, bug spray, and other essentials for dealing with the humid climate. Additionally, it is important to bring comfortable and lightweight clothing, appropriate for the often warm and sunny weather in Costa Rica. It is also smart to pack a first-aid kit with any necessary medications or supplements, and any other items you might need in case of an emergency. Additionally, make sure to bring any necessary converters and adapters, and any important documents required for living in Costa Rica. Finally, don't forget to bring your camera to capture the incredible natural beauty of Costa Rica," said one expat in Costa Rica.

"Three things to bring: - diplomatic passport (Officials are very corrupt, so minimizing interaction with public offices is a great plus) - a prepared stomach (the socalled potable water is definately not potable) - a very consercative mind (I was not prepared for Costa Ricans very protectionist and racist attitude. They live from tourists, but hate all foreigners.) What to leave back home: - hopes of relaxing on the beach every weekend (the roads are horrendous, the cost high and the service mediocre) - hopes of making Costa Rican friends (they are extremely introverted and although they might invite you to dine with them, they never tell you where they live) - hopes of experiencing Latin America (except for the widespread corruption, Costa Rican reminds you more of a US-Mexican border town than of Latin America)," said one expat who made the move to San Jose.

"I always bring to Costa Rica 1; Irish spring soap 2; electronic gadjets 3; Cherries," explained one expat living in San Jose, Costa Rica.

"I wish I had brought my small appliances like bread maker, ice cream maker and deep fryer. I wish I had left my books, formal dresses and jacket at home," said one in Paquera.

"Nothing as we travel back to the US at least 4 times a year, but bring little back to CR. One of the amazing good surprises is that CR has pretty much everything that we can get in the US, for the same price of less (unlike what you read in the forums). That is why we decided against moving our car, furniture, etc. and instead buying here and bringing 4 large suitcases per month of personal items from the US. for a year (for free if you fly Southwest). The caveat is we are use to CA costal prices (now $6 a gallon for gas & 900-1000 per square foot to obtain a dwelling). Even our replacement used car here was the almost exact price as it would have been at home. (understand used car prices have rocketed higher in the states and COVID hit families hard here in CR - hence a great deal)," explained one expat who made the move to Escazu.

"On one occasion we had traveled to San Jose to see our attorney and were lost. When we spoke to the doorman of what we thought was his office building we could see that whoever he was speaking to on the phone he was describing us as being dressed very trashy, as we were not wearing business attire. We were dressed in jeans and t-shirts. Most people dress in business attire in the city," said one expat who made the move to Samara.

"It is important to avoid touching someone's head or using certain nicknames as both are considered offensive in Costa Rica. Additionally, be sure to dress conservatively in public and avoid public displays of affection, as they are seen as disrespectful.Beyond that, it is important to be respectful when discussing religion, particularly since the majority of Costa Ricans are Catholic. Disrespecting local customs and religious ceremonies should also be avoided. Finally, it’s important to be mindful of how much you are drinking in public, as public drunkenness is considered inappropriate," explained one expat living in Costa Rica.

"Most foreigners who voluntarily move to San Jose, Costa Rica do so for the nice climate, lower cost of living, and friendly people. Some of course move here for work, usually in the multinationals, while a few are running from someone or something (often the law)," replied one expat when asked about moving to San Jose.

"Foreigners move to Playa Jaco for the beaches, fabulous sunsets, close proximity to an international airport (SJO is 90 minutes by car) and convenient shopping. Additionally, the community has a relaxed vibe, full of great restaurants, plentiful beach access, recreational activities and other expats to socialize," stated one expat who made the move to Playa Jaco.

"If you're a resident you pretty much have to enroll in the Caja, the public health system, and if you aren't, you can't. So there's that. Whether or not you enroll in the Caja, if you have the funds, private insurance is nice. INS, the state insurance company, sells a pretty good policy for not too much money, and (ahem) it's darn near customary not to mention pre-existing conditions on the application. After a year or so INS doesn't care, and it does pay. Blue Cross and others have now entered the market, but I doubt they're as lax as INS. Of course, you can always pay out-of-pocket for private at prices about a third of US prices, but even a third adds up. Me, I'm only in the Caja now, since I let my INS policy lapse, but that's because I'm poor. People of some affluence usually do both--private for ease and comfort, public as a backup. Oh, in the Caja plan on speaking Spanish. Most Caja docs will know a little English and a few will be fluent, but the system operates in Spanish and you can't count on anyone speaking English. In the private system almost everybody speaks English," commented one expat who moved to San José.

"National health care may not provide a sufficient safety net - it may require a long wait for medical procedures. Private health care is recommended, but coverage for "pre-existing conditions" is generally not available except through national health care," said one expat.

"My recommendation is to enroll in the public health system, but it is also VERY IMPORTANT to have private health insurance, since that would avoid worries about the immediate availability of the services that are required," said one expat living in Santa Ana, Costa Rica.

"Residency to obtain public health care (CAJA) seems to be taking about 18 months, so you will have to use private care until you obtain residency (if that is what you plan on doing). Even with CAJA, many people continue to use the outstanding private facilities available in and around San Jose (possibly in other areas, but I am only familiar with San Jose). There are many expat health insurance plans available and I highly recommend obtaining one if you are under 70. There may be some available over 70; I don't know. I presently do not have any insurance and have been paying out of pocket for some serious medical issues. I suggest you have a fund of $6-10,000 tucked away if you don't have private insurance or have a high deductible," offered one expat living in Grecia.

"Costa Rica has excellent medical care with a two prong system, both public and private. All legal residents and citizens of Costa Rica are eligible to participate in the public healthcare system which is basically free although you have to be a member of the CAJA and pay a % based on the income level you declared when you applied for residency. A tip for expats is to show evidence of enough income to qualify for their residency programs but perhaps not to show all your income if not needed to qualify. (You have to show proof of a pension, annuity or government program that pays you at least $1000 per couple to qualify for their pensionado program). If you don't qualify by those means, you can also apply as a rentista, (renter), an inversionista (an investor) or as a foreign sponsored national with a work visa. You can also marry a Costa Rican... Keep in mind that there is also a private healthcare network available, which is often the preferred option to many expats. There is often a waiting time to get seen under the public system, even things like lab work might take longer than you want to wait. The private healthcare system is generally available immediately and insurance can be purchased to cover you in those facilities. You can also often offer to pay at the CAJA and be seen quicker than those not paying for service. In an emegency, the CAJA will take anyone. Costa Rica uses a local clinic methodology where they locate clinics nearly everywhere based on population needs. These clinics are referred to as the EBAIS clinics and can be found in nearly every town of any size. Major operations, whether in the public or private healthcare system, will likely be performed in San Jose. The private healthcare networks consisting of Clinica Biblica, CIMA and Hospital Mexico, offer great service for a fraction of the cost in the US. Clinica Biblica has an international medicine center, assigns patients a health navigator to help with things like language barriers and offers services that may not even be available in the states. I have had nothing but great experiences there, everything from blood work, orthapedics, dentistry, colonoscopy, endoscopy, stress test and EKG, bone density scans, lipids exams, urinalysis, hearing and eye tests, ultrasounds and more. I have stuff done that I could never afford to do in the states and pay a fraction of the cost I would in the US. The facilities are all impeccably clean and the doctors don't seem to be afraid of their patients and lawsuits. In our area in the southern Pacific region of Costa Rica, we have one of the newest CAJA hospitals in all of Costa Rica. The Hospital de Osa is an 88 bed, 80,000 square foot facility complete with emergency room, pharmacy and more. I recommend everyone should try the Costa Rican healthcare system to see what we are missing in the US," wrote one expat living in Cortez.

"I moved here in the middle of a 5 year treatment plan. I retired early, and had no medical insurance. To stay on my treatment, I was able to buy the medication OTC for $60 a month," stated one expat who made the move to Florencia.

"Costa Rica offers a wide range of medical services, including both public and private healthcare. The public healthcare system is free for all citizens and legal residents, and is generally of a high quality. Private healthcare is also available, and is often more modern and efficient than the public system. Costa Rica is home to a number of world-class hospitals and clinics, offering a range of treatments and services. Many of these facilities are staffed by highly trained and experienced medical professionals, and offer the latest in medical technology. Costa Rica is also home to a number of specialized medical centers, offering treatments for specific conditions such as cancer, heart disease, and neurological disorders," remarked one expat in Costa Rica.