Digital Nomad Life in Costa Rica

"There are many Yahoo! list serves available that help expats get to know where others meet and socialize. Also, Costa Rica AM (www.costaricaam.com) is an English-language e-newspaper that provides a lot of good information," said one expat who made the move to San Jose.

"Life for expats and digital nomads in Costa Rica has a lot of appeal. There is a vibrant culture and a welcoming attitude towards newcomers, making for a supportive and engaging atmosphere. Nature spots are abundant, and the vibrant and diverse landscape provides many opportunities for outdoor recreational activities. Costa Rica's transportation infrastructure is relatively good for a Latin American country, making it easy to travel within and around the country. The cost of living is generally lower than in most first-world countries and there are a variety of international restaurants and grocery stores. A combination of low taxes and tax incentives makes Costa Rica an attractive place to live and work. The combination of warm weather and modern amenities make it a great place to call home for digital nomads and expats alike," remarked one foreigner who made the move to Costa Rica.

"It is a beach town. Most people are retired from North America. The beach is beautiful. All people go to the beach for walking, socializing, etc," explained one person living in Playa Hermosa de Jaco, Costa Rica.

"On one visit, we took a side trip to Costa Rica to explore the beaches of Guanacaste. When we drove into Tamarindo, it felt a California beach town with a nice vibe. Over the next couple of years, we took a few trips to Playa Flamingo and Tamarindo to further explore the area and to look at condos for sale. We bought an ocean view condo in Tamarindo a couple of years before we retired, and then moved there full time after retiring in May 2013 (age 61-62). We liked the beach and the availability of a variety of restaurants and stores in Tamarindo, and easy walking access in town," said one expat in Tamarindo.

"The Costa Rican people in Atenas are kind and welcoming. There is an international group of expats, from Europe, the US, Canada, as well as from various Spanish speaking countries. I appreciate the diversity. During the dry season, the sun is strong. I am outside in the early morning and late afternoon, and inside from 10:00am-2:00pm. I choose to be car free. I am easily able to walk to shops, dentist, and other services. Atenas has a rural feel as is it a coffee growing region of Costa Rica, as well as a region for fruit and vegetables. There is a small town “vibe” with focus on church and local school activities. The pace is slow. These are some of my personal reflections," said one person in Atenas.

"My wife and I lived in Tamarindo for 5 years. (We now live in southern Nicaragua near our daughter, son-in-law, and two granddaughters.) When we first visited Tamarindo, it felt like driving into a California beach town from the 1960's. We liked the beach front road and string of beach restaurants. But it is also very popular for tourists, so the town is often packed with tourists, which can get a bit annoying. However, there are also low tourist seasons when the town is very pleasant. We liked that we could easily walk to many restaurants in town, And we owned a nice condo with a great view of the bay," said one expat who made the move to Tamarindo.

"hmmmmmm...take a vacation here first, spend a few months and get a feel for the scene here. Also, online research is an option too," explained one foreigner living in Montezuma, Costa Rica.

"Before retiring in Costa Rica, expats should make sure to research residency options, learn about the country's healthcare and education system, and familiarize themselves with Costa Rica's culture and customs. It is important to have a working knowledge of the Spanish language. Knowing the local laws and the best ways to finance and protect assets is also essential for a smooth transition into retirement. Expats should also investigate what kind of activities and attractions are available in the region where they plan to settle. It is also a good idea to look into visa restrictions, as some retirees may need to acquire special documentation to stay in the country. Additionally, expats should be aware of the cost of living in Costa Rica and how much they need to budget for their retirement," said one in Costa Rica.

"Be ready to live, love and relax. This is a beautiful country and we live in paradise," explained one expat in Playa Hermosa de Jaco.

"What I really enjoyed, was the personal relationships that we established. I had many Tico friends that felt comfortable stopping by our home to visit. One friend threw a surprise birthday party for me. I also found it amazing that when we arrived, we found ourselves without money due to a bank screw up and our attorney right away offered us a couple thousand dollars till our money showed up. Many more times, if we didn't have money on hand for something, business owners told us to pay them when we returned next. You don't see that happening in the states," said one expat in Samara.

"Expats in Costa Rica appreciate its vibrant outdoor lifestyle and friendly people. Costa Rica is also known for its lush nature, boasting beautiful beaches, tropical jungles and majestic volcanoes, making it a paradise for nature lovers and outdoor adventurers. Many expats are also drawn to the country's relaxed, laidback lifestyle and the sense of community that comes with living in a smaller country. Costa Rica's diverse cultural heritage and traditions offer visitors a chance to explore the nation's unique cultural identity. Lastly, the country's affordable prices and high quality of living are a huge draw for many expats," remarked one member in Costa Rica.

"One of the most challenging aspects of Costa Rican culture that expats find is the concept of “pura vida” or living life to the fullest and taking things as they come. This can be difficult to understand and navigate for newcomers as it goes against the typically fast-paced, time-oriented Western lifestyle. Additionally, Costa Rica is a very tight-knit community where the concept of personal and private space isn't as pervasive as it is elsewhere. This can be difficult for expats, who may need more privacy and alone time, to adjust to. Furthermore, the local language of Spanish can also be a major obstacle that expats need to overcome in order to feel more settled in their new home," explained one expat living in Costa Rica.

"I think that banking can be a challenge and setting up insurance along with other services such as your electric, phone and internet services," said one person in Samara.

"Visa is good for 3 months so if you plan on trying I would recommend opening a bank account and beginning the residency process early on. An attorney is helpful and I recommend Max Viquez Garcia. He is very helpful honest, fair and bilingual. I travelled to Panama City, Bocas del Toro Panama and San Juan del Sur, Nicaragua to renew my visa and really enjoyed those trips," said one expat who made the move to Santa Ana.

"I have a 90 day tourist visa. I travel around Central America a lot, so my visa is constantly renewed, very easy. Just make sure that when you come you can show the airline proof that you are leaving within 90 days," explained one foreigner living in San Jose, Costa Rica.

"If you plan to stay in Costa Rica for a while, you will need to obtain a residency permit or visa. Residency permits are typically granted for periods of three to six months, after which you may apply for an extension. The type of visa you will need depends on your country of origin and the purpose of your stay. Some of the main visa types available in Costa Rica include tourist visas, investor visas, family reunification visas, student visas, and work visas," said one in Costa Rica.

"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," remarked one foreigner 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 person living in 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," said one digital nomad in Grecia.

"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 a person living in San José, Costa Rica.

"In Costa Rica, you must be a resident of the country to qualify for CAJA also know as the national socialized medicine. Additionally, this is not an option but a requirement of your residency here. The monthly fee is calculated based on your income. The local clinic also known as EBAIS is centrally located. If you are in the area, familiarize yourself with it's location. If you are not a resident, there are several private care physicians in the area and they are well educated and professional. If you do not speak Spanish, there are many that are bilingual. I know of at least one that has a 24 hour facility for emergencies. Additionally, specialists from the Central Valley visit these private care facilities on a monthly basis so if you need specialized care, it is available. At present, a general office visit in a private care facility is $40-$45," explained one digital nomad living in Playa Jaco, Costa Rica.

"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 member in Santa Ana.

"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," explained one expat in Cortez.

"Expats and digital nomads often appreciate the laid-back lifestyle and friendly people in Costa Rica. They also enjoy the country's stunning natural beauty, with its lush rainforests, stunning beaches, and active volcanoes. Additionally, the cost of living is relatively low, making it an attractive destination for those looking to stretch their budget. On the downside, the infrastructure can be unreliable, and the language barrier can be a challenge for those who don't speak Spanish," said a member in Costa Rica.

"Paying bills can be a big challenge so try to get auto pay set up where it is available. Most people wait in lines to pay bills at the bank or most markets offer computer bill pay. Cash only. Passport or other picture ID required. Costa Rica has no real street address system and the mail is terrible there. Some addresses are like 400 meters West of the World Gym," explained one person living in Santa Ana, Costa Rica.