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Bocas del Toro, Panama: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Bocas del Toro | Expat Exchange
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Bocas del Toro, Panama

Bocas del Toro, Panama

By Joshua Wood, LPC

Last updated on Aug 11, 2024

Summary: Bocas del Toro, Panama is a tropical paradise with stunning beaches, lush rainforests, and a laid-back atmosphere. Expats love the relaxed lifestyle, the friendly locals, and the abundance of outdoor activities. The weather in Bocas del Toro is typically warm and humid, with temperatures ranging from the mid-70s to the mid-80s Fahrenheit. The average cost of living for an expat is around $1,500 to $2,000 per month. The cost of a one bedroom apartment is typically around $500 to $700 per month, while a two bedroom apartment can range from $700 to $1,000 per month. The population of Bocas del Toro is around 45,000 people.

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Panama Legal Business (PANLEB)
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What do I need to know about living in Bocas del Toro?

When we asked people what advice they would give someone preparing to move to Bocas del Toro, they said:

"Expats should be aware that Bocas del Toro is a remote area with limited access to medical care and other services. It is important to research the availability of medical care and other services before retiring in Bocas del Toro. Additionally, expats should be aware that the cost of living in Bocas del Toro is relatively low, but the cost of imported goods can be high. It is also important to research the local laws and regulations before retiring in Bocas del Toro, as they may differ from those in other countries. Finally, expats should be aware that the local language is Spanish, so it is important to learn some basic Spanish before retiring in Bocas del Toro," said one expat in Bocas del Toro.

"I would echo what the person who did the review on Boquete. Embrace the local culture and ways of doing things. Don't come here wanting to change the way folks have done things for a long time or try to make it like the US. At the same time you can teach the locals what you know in a nice way as you make friends with them," said one expat who made the move to Bocas del Toro.

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What do I need to know before moving to Bocas del Toro?

When we asked people what advice they would give someone preparing to move to Bocas del Toro, they said:

"Rent first before you buy. Your paradise today may not be what you will think in 6 months. Brings essentials and sell everything else, you can get it cheaper here," wrote a member in Bocas del Toro.

"Expatriates should be aware that Bocas del Toro is a remote area with limited access to modern amenities. English is not widely spoken, so it is important to learn some Spanish before moving to the area. The cost of living is relatively low, but expats should be prepared to pay more for imported goods. The climate is tropical and humid, so it is important to bring appropriate clothing and mosquito repellent. The local currency is the Balboa, but US dollars are widely accepted. Finally, expats should be aware that the area is prone to natural disasters such as hurricanes and flooding," commented one expat who made the move to Bocas del Toro.

How do I find a place to live in Bocas del Toro?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"One of the best ways to find a place to live in Bocas del Toro is to search online for rental listings. There are a variety of websites that offer listings for apartments, houses, and other types of accommodations in the area. Additionally, you can also search for local real estate agents who specialize in the area and can help you find the perfect place to live. Additionally, you can also ask around in the local community for recommendations and advice on where to look for a place to live," commented one expat who made the move to Bocas del Toro.

"We wanted to live in a safe local neighborhood near the ocean. I listened to my friends who were already here and looked in those areas," remarked one expat living in Bocas del Toro, Panama.

What is a typical expat home or apartment like in Bocas del Toro?

"Expat homes and apartments in Bocas del Toro are typically bright and airy, with large windows and balconies that offer stunning views of the Caribbean Sea. Many of the homes and apartments are located in beachfront communities, providing easy access to the white sand beaches and crystal clear waters. The interiors are often decorated with a mix of modern and traditional furnishings, and feature air conditioning, high-speed internet, and other modern amenities. Expats in Bocas del Toro can also enjoy a variety of outdoor activities, such as snorkeling, kayaking, and fishing," wrote one member in Bocas del Toro.

"We live in a spacious one bedroom apartment across from the ocean for $400 a month. There are people who live in smaller cheaper places more inland and folks who live out on the water in larger homes for more money. Typical is what fits you," remarked one expat who made the move to Bocas del Toro.

What is the average cost of housing in Bocas del Toro?

If you are thinking about moving to Bocas del Toro, cost of living in probably a key consideration. Expats commented about the cost of housing:

"Our housing costs are about a third of what we spend in the US. You can get a nice simple apartment for 300 and up or a home for 500 and up. We live on an island so you are never far from the ocean,," explained one expat living in Bocas del Toro, Panama.

"The cost of housing in Bocas del Toro varies depending on the type of accommodation and location. Generally, the cost of renting an apartment or house in Bocas del Toro is relatively affordable compared to other cities in Panama. Prices range from around $200 to $1,000 per month, depending on the size and amenities of the property," said one expat in Bocas del Toro.

How do I meet people in Bocas del Toro?

When we asked people living in Bocas del Toro about club and activities where newcomers can meet others, they responded:

"Expats in Bocas del Toro often join clubs and activities such as yoga, surfing, and sailing. There are also many expat-run businesses in the area, such as restaurants, bars, and tour companies, which provide opportunities to meet other expats. Additionally, expats often meet people through word of mouth, by attending local events, or by joining online expat groups," commented one expat who made the move to Bocas del Toro.

"Besides the bars and restaurants, there are fitness classes, Spanish classes, dive lessons, Catamaran tours, Live music venues, the beaches, volunteer opportunities and just meeting people walking down the street," remarked one expat living in Bocas del Toro, Panama.

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What should I bring when moving to Bocas del Toro?

People living in Bocas del Toro were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"I brought everything I wanted. Especially specialty items that are harder to get here since I am a cook. My husband brought his tools. I brought too many clothes. I am glad I did not bring my furniture. We live in shorts and flip flops and little dresses. We shipped everything down in a shared container for a very reasonable price," commented one expat who made the move to Bocas del Toro.

"When moving to Bocas del Toro, it is important to pack items that will help you stay comfortable in the tropical climate. Bring lightweight, breathable clothing such as shorts, t-shirts, and sundresses. Don't forget to bring a hat, sunglasses, and sunscreen to protect yourself from the sun. Bring a pair of sandals or flip-flops for the beach, as well as a pair of sneakers or other closed-toe shoes for exploring the town. If you plan to spend time outdoors, bring insect repellent and a mosquito net. Finally, don't forget to bring any necessary medications and a first-aid kit," remarked one expat living in Bocas del Toro, Panama.

Where should I setup a bank account in Bocas del Toro?

We asked expats in Bocas del Toro what banks they use and there advice about banking. They advised:

"Expats should be aware that Bocas del Toro is a remote area with limited access to medical care and other services. It is important to research the availability of medical care and other services before retiring in Bocas del Toro. Additionally, expats should be aware that the cost of living in Bocas del Toro is relatively low, but the cost of imported goods can be high. It is also important to research the local laws and regulations before retiring in Bocas del Toro, as they may differ from those in other countries. Finally, expats should be aware that the local language is Spanish, so it is important to learn some basic Spanish before retiring in Bocas del Toro," commented one expat who made the move to Bocas del Toro.

Will I be able to find a job in Bocas del Toro?

When we asked people about industries and career opportunities in Bocas del Toro, they reponded:

"Foreigners often work in the tourism industry in Bocas del Toro, such as in hotels, restaurants, and tour companies. Other popular jobs for foreigners include teaching English, working in dive shops, and working in the construction industry. Additionally, some foreigners work as freelance writers, photographers, and digital nomads," wrote a member in Bocas del Toro.

"The main industry is tourism and there are more hotels, B&B's, hostels, bars and restaurants popping up all the time. There is a growing service industry as Expat move here and create demand for services. If you get a work visa you can be hired legally but many people work with out them. it is also relatively easy to start your own business. It helps to live here for a while to learn the ropes," commented one expat who made the move to Bocas del Toro.

What is life like in Bocas del Toro?

When we asked people living in Bocas del Toro what life is like and how people spend their time, they said:

"Life for expats and digital nomads in Bocas del Toro is an exciting and vibrant experience. The area is known for its stunning beaches, lush rainforest, and vibrant culture. Expats and digital nomads can enjoy a relaxed lifestyle with plenty of opportunities to explore the local culture and cuisine. The cost of living is relatively low, making it an attractive destination for those looking to live and work remotely. The locals are friendly and welcoming, making it easy to integrate into the community. With its stunning natural beauty, vibrant culture, and low cost of living, Bocas del Toro is an ideal destination for expats and digital nomads," said one expat who made the move to Bocas del Toro.

"Definitely life revolves around family and work here. The Panamanians are very friendly and family oriented. They have many festivals and celebrate life in many ways many times a year," explained one expat living in Bocas del Toro, Panama.

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What do expats in Bocas del Toro appreciate most about the local culture?

"Expats in Bocas del Toro appreciate the laid-back atmosphere and the friendly locals. They also enjoy the vibrant nightlife, the stunning beaches, and the abundance of outdoor activities. The local cuisine is also a highlight, with its unique blend of Caribbean and Latin American flavors. Additionally, the cost of living is relatively low, making it an attractive destination for expats," said one expat who made the move to Bocas del Toro.

What do expats find most challenging?

"Expats in Bocas del Toro often find the language barrier to be the most challenging aspect of the local culture. Many locals speak Spanish, and while some may understand English, it can be difficult to communicate with them without a basic understanding of the language. Additionally, the local customs and traditions can be difficult to understand and navigate for those who are not familiar with them. Expats may also find the slower pace of life in Bocas del Toro to be a challenge, as it can be difficult to adjust to the more relaxed lifestyle," remarked one expat living in Bocas del Toro, Panama.

Is there a lot of crime in Bocas del Toro?

We asked people if there is a lot of crime. They answered:

"Bocas enjoys nearly a crime free environment. The only instances that we know about are those of opportunity. Petty theft etc... it is rare that we hear of any real problems," wrote a member in Bocas del Toro.

"Bocas del Toro is generally considered to be a safe destination for travelers. However, petty crime such as pickpocketing and theft does occur, so visitors should take precautions to protect their belongings. Additionally, there have been reports of drug-related crime in the area, so visitors should exercise caution when exploring the area," commented one expat who made the move to Bocas del Toro.

Is there a lot of diversity? Are people in Bocas del Toro accepting of differences?

"Besides the multicultural Panamanians there are people from all over the world here and seven different Indian tribes. For the most part everyone gets along great. There are occasional clashes in any community and this is a tight knit one where people help their neighbors. Panama welcomes people from many countries with great expat laws and easy residency," wrote a member in Bocas del Toro.

"Bocas del Toro is a diverse region with a variety of cultures and ethnicities. People from all over the world have settled in the area, bringing with them their own unique customs and traditions. The people of Bocas del Toro are generally accepting of differences and embrace the diversity of the region. There is a strong sense of community and acceptance among the locals, and visitors are welcomed with open arms," commented one expat who made the move to Bocas del Toro.

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What are the schools in Bocas del Toro like?

"The International School of Bocas del Toro (ISBT) is a private, bilingual school located in Bocas del Toro. It offers a comprehensive education program for students from pre-kindergarten to grade 12. The school is accredited by the Ministry of Education of Panama and is a member of the Association of International Schools in Latin America (AISLA). ISBT offers a rigorous academic program that includes English, Spanish, and French language instruction, as well as a variety of electives and extracurricular activities. The school also offers a variety of sports and clubs, and provides a safe and nurturing environment for students. The Bocas del Toro International School (BTIS) is a private, bilingual school located in Bocas del Toro, Panama. It offers a comprehensive education program for students from pre-kindergarten to grade 12. The school is accredited by the Ministry of Education of Panama and is a member of the Association of International Schools in Latin America (AISLA). BTIS offers a rigorous academic program that includes English, Spanish, and French language instruction, as well as a variety of electives and extracurricular activities. The school also provides a safe and nurturing environment for students, and offers a variety of sports and clubs. The Bilingual School of Bocas del Toro (BSBT) is a private, bilingual school located in Bocas del Toro, Panama. It offers a comprehensive education program for students from pre-kindergarten to grade 12. The school is accredited by the Ministry of Education of Panama and is a member of the Association of International Schools in Latin America (AISLA). BSBT offers a rigorous academic program that includes English, Spanish, and French language instruction, as well as a variety of electives and extracurricular activities. The school also provides a safe and nurturing environment for students, and offers a variety of sports and clubs," commented one expat when asked about in Bocas del Toro.

What are the pros and cons of living in Bocas del Toro?

Expats, digital nomads and retirees living in Bocas del Toro responded:

"Expats and digital nomads living in Bocas del Toro enjoy the laid-back atmosphere, the stunning natural beauty, and the affordability of the area. They also appreciate the friendly locals and the easy access to the Caribbean Sea. On the other hand, some expats and digital nomads may find the lack of infrastructure and the limited public transportation options to be a challenge. Additionally, the hot and humid climate can be difficult to adjust to for some," remarked one expat in Bocas del Toro.

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What type of social life can someone expect in Bocas del Toro?

When we asked expats and global nomads about their social experiences in Bocas del Toro, they replied:

"Expats, retirees and digital nomads living in Bocas del Toro typically have an active social life. There are many opportunities to meet other expats, retirees and digital nomads in the area, as well as locals. There are plenty of bars, restaurants, and cafes to socialize in, as well as a variety of outdoor activities to enjoy with friends. Additionally, there are many organized events and activities, such as yoga classes, beach parties, and boat trips, that provide a great way to meet new people and make new friends," remarked one expat in Bocas del Toro.

"The social scene in Bocas del Toro is vibrant and lively. There are plenty of bars, restaurants, and cafes to explore, as well as a variety of activities to take part in. Whether you're looking for a night out on the town or a relaxing day at the beach, Bocas del Toro has something for everyone. The locals are friendly and welcoming, and the atmosphere is laid-back and relaxed. There are also plenty of opportunities to meet other travelers and make new friends," remarked one expat in Bocas del Toro.

What advice to expats in Bocas del Toro have about housing?

"Expats in Bocas del Toro recommend researching the area thoroughly before committing to a rental property. It is important to visit the property in person and to ask questions about the neighborhood, safety, and amenities. Additionally, it is important to read the rental agreement carefully and to make sure that all necessary documents are in order. Expats also suggest negotiating the rental price and to be aware of any additional costs such as utilities, taxes, and maintenance fees. Finally, it is important to be aware of the local laws and regulations regarding rental properties," mentioned an expat living in Bocas del Toro.

What are medical services in Bocas del Toro like?

When we asked expats and global nomads about the quality of medical care in Bocas del Toro, they replied:

"Bocas del Toro offers a variety of medical services for both locals and visitors. There are several private clinics and hospitals in the area that provide general medical care, as well as specialized services such as dentistry, optometry, and dermatology. Additionally, there are several pharmacies in the area that provide over-the-counter medications and other medical supplies. For more serious medical issues, there are several international hospitals located in nearby cities that offer advanced medical care," commented one expat living in Bocas del Toro, Panama.

Are healthcare and health insurance expensive in Bocas del Toro?

"Healthcare and health insurance in Bocas del Toro can be expensive, depending on the type of care and insurance coverage needed. Generally, basic healthcare services such as doctor visits and prescription medications are relatively affordable, while more specialized services such as surgery and hospitalization can be more costly. Health insurance plans vary in cost and coverage, so it is important to research the different options available to find the best plan for your needs," mentioned one expat inBocas del Toro.

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Is the cost of living in Bocas del Toro high?

We asked people about the cost of living in Bocas del Toro, they wrote:

"The cost of living in Bocas del Toro is relatively low compared to other parts of the world. Rent for a nice 1 bedroom apartment is typically around $400 USD per month, while a nice 2 bedroom apartment is around $600 USD per month. Eating dinner at a moderately priced restaurant in Bocas del Toro typically costs around $10 USD per person," mentioned one expat inBocas del Toro.

What are the visa & residency requirements in Bocas del Toro?

"In order to visit Bocas del Toro, visitors must obtain a tourist visa from the Panamanian Embassy or Consulate in their home country. The process of applying for a tourist visa involves submitting a valid passport, a completed application form, a passport-sized photograph, and a fee. In order to obtain residency in Bocas del Toro, Panama, applicants must submit a completed application form, a valid passport, a passport-sized photograph, a police record, a medical certificate, and a fee. Additionally, applicants must provide proof of financial solvency, such as a bank statement or a letter from an employer. Once the application is approved, applicants must attend an interview at the Immigration Office in Panama City. After the interview, applicants will receive a residency card, which must be renewed every two years," wrote one expat living in Bocas del Toro.

Why do people move to Bocas del Toro?

When we asked people why foreigners move to Bocas del Toro, they responded:

"Bocas del Toro is a popular destination for expats due to its stunning natural beauty, laid-back lifestyle, and affordable cost of living. The area is known for its pristine beaches, lush rainforests, and vibrant coral reefs, making it a great spot for outdoor enthusiasts. The relaxed atmosphere and friendly locals make it a great place to settle down and enjoy a slower pace of life. Additionally, the cost of living is much lower than in many other parts of the world, making it an attractive option for those looking to stretch their budget," mentioned an expat living in Bocas del Toro.

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.

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