An Amazing Adventure Is Waiting For You! Leave All Your Worries Behind... Let Us Take Care Of Everything For You! Celebrating Our SIXTH Year of Relocation Tours! Our 6 day 5 night ALL-INCLUSIVE Panama Relocation Tour ™ will introduce you to the inexpensive and wonderful lifestyle available … Get the Details
The International Living Fast–Track Panama Conference is February 17-19th. You’ll spend 2 ½ days in a hotel room in Panama City to get an overview of Panama.
But to REALLY get a feel for what your life could be like living in Panama, you need to get out of Panama City to see more of Panama up close and personal. See Panama with a boots on the ground tour!
That’s where Panama Relocation Tours comes in! We offer 6-day all-inclusive tours of Panama. You’ll get to visit Gorgona, Coronado, El Valle, Santa Clara, the Azuero Peninsula, Santiago, David, Boquete, Volcan and Cerro Punta PLUS meet with expats who live in many of those areas. No sales pitches.
The week before the International Living Fast–track Panama Conference, our February 11-16th tour is already sold out.
So, today we added another tour for the week AFTER the International Living Fast Track Panama Conference. This tour starts on Monday, February 20th and runs through February 25th. We ONLY have 15 rooms available for this tour! Reserve Your Spot Today.
This is NOT a real estate tour. You will see some rental properties in each area but there will be absolutely no sales pitches to try to get you to buy real estate. We highly recommend that you rent for at least 6 months before you make any buying decisions.
During the Panama Relocation Tour, you’ll learn:
- Health insurance companies – little trick to save an extra 30%
- Private hospitals, Doctors, Dentists, and specialists
- How to find a rental.. and things to watch out for
- How to get BIG discounts on many purchases in Panama
- CPA’s with expat & Panamanian experience
- Meet with Attorney to learn about visa options and business structures
- Shipping and moving companies (Tips for saving money, too)
- What it takes to start a business in Panama.. and which businesses are off limits.
- Pet relocation (my step-by-step guide for a smooth transition)
- Trustworthy real estate agents and property managers (they are hard to find)
- How to get online orders (Amazon) and mail delivered to you
- Selling on Amazon – Without touching products
- The best way to take title to a property if you decide to buy
- How to send and receive faxes without using a fax machine
- We will help you set up an Offshore Bank Account!
- How to get 2.5%.. compounded daily.. on a savings account … without a CD
- Typical budgets in various areas (some or more or less than others)
- How to get phone calls to/from your country in Panama… for free
- How to bring a gun in to Panama and get a permit (or buy one here)
- How to ship precious metals in to Panama.. tax free!
- Where to buy precious metals like gold and silver in Panama.
- Learn How to Fund Your Life Overseas… Little Ways to Make Big Money
- Step-by-step CHECKLIST of things to do BEFORE you move to Panama
- Best place to buy or rent a car, and MUCH more.
You’ll meet an immigration attorney who charges less than HALF what the International Living Panama attorney charges for a Visa. This alone could pay for your tour!
No one knows more about relocating to Panama than we do!
We’ve helped hundreds of people relocate to Panama! They made the move without stress because of the information they received during a Panama Relocation Tour plus the ongoing support they receive after the tour.
Panama is the perfect place to live. You have easy access to a cosmopolitan Panama City, 1500 miles of beach, and mountain towns where the weather is spring all like year. The Panama economy is the strongest in the western hemisphere and their government is a stable democracy.
In Panama, it is possible to have breakfast next to the Pacific Ocean, lunch in a quaint mountain town, then dinner at a funky restaurant over the Caribbean Sea… all in one day….without getting on an airplane!
Retirees can take advantage of Panama’s Pensionado Program which is considered the #1 retirement program in the world! You can get discount of 10% to 50% on everything from restaurants, prescriptions, utility bills, airfare and movie theaters plus more.
Not ready to retire yet? You’ll love the opportunities available in Panama and the ease of doing business. Some of our tour clients have been able to get a job working for a multinational company in Panama. Many have reported that they make more money in Panama than they did in the United States because they pay no, or very low, taxes.
During the tour, you’ll learn how to make money online working from home. I have two online businesses which more than cover my living expenses in Panama. You’ll learn how you can do this too!
You’ll get to meet expats who live in each of the areas we visit. They will share what their living expenses are like so you can get a general idea of what it cost to live in Panama. You’ll be amazed at how affordable it is to live in Panama.
During the Panama Relocation Tour, you’ll get ALL the information you need to make your move to Panama stress-free. You will even receive a checklist of exactly what you need to do and when.
Register now, for the February 20-25th Panama Relocation Tour which starts the day after the International Living Fast–Track Panama Conference. We only have 10 rooms available.
The tour begins in Panama City. It will end in Boquete. Your tour fee includes a flight back to Panama City.
Even if you are NOT going to the International Living Fast–Track Panama Conference, you are welcome to join us for the Panama Relocation Tour on February 20-25th
To make an informed decision about relocating to Panama, you really need to see more of the country than you’ll see sitting in a hotel room in Panama City. By the end of the tour, you’ll know if Panama is right for you and if it is, you’ll be able to pick out your ideal location.
Learn more here and register for a Panama Relocation Tour. You may also call 972-496-4500.
To a BETTER Life in Panama,
EXTRA BONUS: When you register for a February Panama Relocation Tour, you can take advantage of our super special discount at the Crowne Plaza hotel in Panama City instead of spending $100 of dollars for a room where the International Living conference will be held. Even if you arrive in Panama several days early you can get our special rate. Plus, our bi-lingual driver will pick you up at Tocumen International airport.
Here’s what some of our previous tour clients have to say:
STRESS-FREE ITINERARY WHICH TOTALLY SURPASSED OUR EXPECTATIONS
Thanks Panama Relocation Tours for putting together a stress-free itinerary which totally surpassed our expectations.
For anyone considering an exploratory trip to Panama, Jackie Lange’s Panama Relocation Tour is a must! The 6 day trip took us through so many different living environments from expat communities in Coronado, to homes in Las Tablas and David to our final stopping point in Boquete and Volcan.
On the trip you get a chance to experience what to expect living in different regions of Panama sampling weather, costs and variety of food, typical shopping experiences and housing offerings. The tour is comprehensive encompassing everything from the nuts-and-bolts to moving to Panama, tax considerations, how and why to hire an attorney, insurance considerations, opportunities for expats and so much, much more. Tour recipients leave with plenty of great documentation to refer to after the trip.
This is so much more than a bus trip with stops in different parts Panama. It’s an experience that convinced us that the people and the country of Panama is a place that my wife and I will return to again for a much longer stay (if not permanently)!
I wouldn’t hesitate recommending this trip to anyone who’d like to explore the possibility of relocating to Panama.Panama Relocation Tours has it all and more!
David and Rhonda Grover
April 2014 Tour
April 2014 Tour
MEETING THE OTHER PEOPLE ON THE TOUR WAS SUCH FUN!
Bob and I would like to say THANK YOU for a wonderful tour. We had a great time and really enjoyed seeing the different parts of the country. From what we saw, we feel that the Boquete area would be the spot for us.
Although we have some “moving parts” that will have to be worked out, we do hope that it is going to be possible for us to relocate in the next year or so.
Meeting the other people on the tour was such fun. We feel like we have made some new friends, and – hopefully – we will be seeing them again in Panama!!
Jackie, your knowledge of most things Panamanian is invaluable. Melissa — I so appreciated your assistance with all of my questions, and your amazing coordination. All of our before and after plans went smoothly!
Carol and Bob Hanft
October 2016 Tour
October 2016 Tour
Patti and I went on the Panama Relocation Tour with an open mind, but hoping everything we read about the tour was true.
The tour with Jackie Lange was more then we could hope for, it was informative and comfortable. Jackie was an excellent host and a wealth of information. We got a realistic view of what to expect if we decide to work or retire in Panama. We stayed in very good hotels and had more then enough to eat (the meals were very good and plentiful).
We had the opportunity to see how fellow expats live and hear them share their experiences.
Me and my wife have decided to take the plunge and give Panama a try after my retirement and are in the process of applying for the Friendly Nations VISA (416 VISA).
We were looking for a place to live with cooler temperatures then we are currently suffering in Tampa, Florida. And we believe that Boguete would be a great place to start this adventure in our new life and explore the surrounding areas.
I must not to forget to acknowledge Melissa Lange as well, she guided us through the process so that the experience was pleasant and enjoyable.
On a scale of 1 to 10 our experience was an absolute 10 and worth every penny.
Frank and Patti Major
August 2016 Tour
August 2016 Tour
JACKIE’S ADVICE ALLOWED US TO ACCOMPLISH IN A FEW DAYS WHAT WOULD HAVE TAKEN MONTHS OR MAYBE YEARS ON OUR OWN
My husband and I just returned from a visit to our future home in Boquete, Panama. It has been our intention for years to spend retirement overseas and have thoroughly researched many countries. When we narrowed our search to Panama we discovered Jackie Lange’s PRT. Our Panama adventure began in Panama City and ended in Boquete. We were able to sample life on the coast , mountains and everything In between. We were introduced to expats currently living their dream in Panama as well as journey with others like us beginning their pursuit. We met an attorney who will help us with legal issues in regard to our move, we opened a bank account and enrolled with a shipping company. Jackie’s experience and advice allowed us to accomplish in a few days what would have taken months or maybe years on our own. We returned back to Mississippi to find a buyer for our home, cars and other possessions in order for us to begin our new life in Boquete, Panama sometime in 2017, if not before. If cool breezes, milder temperatures and an affordable way of living sounds enticing to you, contact Jackie and plan to be a part of one of her future tours.
Warren and Kim Doherty
September 2016 Tour
I’M SO HAPPY I TOOK THIS TOUR…
I’m so happy I took this tour, my first ever! I met a lot of nice people and fellow solo travelers too. Thank you Jackie & Melissa for the invaluable information provided in six days that would take me months if not years to gather.
Loved the down to earth, no hustle approach. I felt Jackie wanted to show me why and what she loves about her adopted country, “if you like what you see, welcome neighbor and if it’s not for you, that’s okay too”.
You’ve got a great team Jackie. Melissa was always there with a quick response to my questions and requests. Your attorney was so helpful, reasonable and accommodating. Jorge is a pro driver; I felt safe and Luis took care of wherever I needed to go in Panama City.
July 2016 Tour
July 2016 Tour
HAD A BLAST
First, I would like to thank you Melissa for doing such a fantastic job getting my wife and I set up for the tour. You were so thorough and fun to work with for the process of generating all the paperwork required to make the trip. And Jackie, you were such a pleasure to spend 6 days with. Everything was amazingly orchestrated for visiting the different cities. From the housing tours to the lunch breaks and the hotels. I especially appreciated your candid conversations about life in Panama and what to expect moving there. Everything was Fabulous!
John & Maria Litland
July 2016 Tours
July 2016 Tours
A WONDERFUL EXPERIENCE!
Our July 2016 Panama Relocation Tour was wonderful from the beginning to the end.
Every step was planned for and well organized. Each day in Panama was a treasure. It was like opening up a gift each morning.
Jackie and Melissa could not have been any more terrific. Jackie shared her years of experience gained living in Panama.
She gave us invaluable, boots on the ground information. We got the good and the bad. Jackie is a walking encyclopedia of all things Panama. If she doesn’t know it, she will find out.
We are planning a return trip very soon.
Hopefully a new life in Panama is in our future.
Shawn and Virginia
Las Vegas, NV
July 2016 Tour
Las Vegas, NV
July 2016 Tour
We offer Panama Relocation Tours to help you be more prepared for your move to Panama. You’ll learn about the technical things you need to know, like getting a visa, finding a rental, and bringing your pet in to the country. During a Panama Relocation Tour, you’ll also learn about the the Panamanian culture and customs plus other important emotional and psychological aspects of adjusting to a new life in Panama. The more prepared you are with this advance knowledge, the easier your relocation to Panama will be.
This article is by Billy and Akaisha Kaderli of Retire Early Lifestyle. They retired about 25 years ago when they were in their mid-30s.
In preparing for a retirement overseas, we would wager that most people occupy themselves with the practical concerns of residential visas, banking, owning property, finding a doctor they like, medical care that they can afford and dealing with any language barriers. These are pragmatic topics with realistic solutions, and we say that these areas are almost the easiest part of making this lifestyle change. While the above mentioned topics are important and must be solved, we want to share with you what it really takes to move overseas.
It may surprise you, but what we have seen take people down, destroying their retirement dreams and sometimes even their marriages, are the emotional and psychological challenges one faces in adjusting to their new lifestyle overseas.
How do you prepare for these obstacles ahead of time? We hope the following tips and insight will shed some light on the topic.
Just like home only cheaper
Many people trip themselves up with their giddiness over the fantastic cost of living in their new location. They often come into a new country talking themselves into believing that living in their new destination is just like home, only cheaper. We want to tell you that no place overseas is just like home. Customs, foods, weather cycles, housing codes, the treatment of pets, the laws, the language, cobblestone streets and workmanship quality are all different.
We have seen folks love the quaintness of their new town but then fall apart because they can’t find parking near to markets where they shop. Their charming town might not have one-stop-shop with a parking lot tying several stores together so they find that market day involves stopping in six locations, perhaps fighting traffic in between. Instead of taking their time to enjoy their enchanting town, they find this situation to be annoying and they carry the frustration with them all day.
Culture and customs
Animals are treated as animals in developing nations and not as family members. Street dogs are common and if your heart is easily broken, then this might pose a problem for you. While we have seen Expats adopt up to a dozen dogs as pets, this is not something we would recommend. One could become involved in animal rescue, retraining and home placement but even that will not solve an issue that is culturally so different than what one is used to “back home.” We urge you to become involved as you feel comfortable, but then there will have to be a certain level of acceptance of the situation or you will be miserable. Resisting cultural differences is a never ending battle that really isn’t satisfying.
The lackadaisical attitude of workers could drive you up the wall with them telling you they will come tomorrow to fix something and instead, show up several days later. Finding just the right maid, gardener or plumber could take some extra effort on your part. Once again, if your personality tends to the uptight and precise view of things, life in a foreign country could be a continuous challenge. It’s really much better for your health and for getting things done to just roll with the flow of it all. Ask other Expats which plumbers, electricians, gardeners, attorneys, construction workers and maids they would recommend and start with them first. There is no point in getting yourself upset and then holding this tension as a permanent posture towards life.
Flexibility of mind and attitudes
One of the best tools in your toolbox is having flexibility of mind. A friend of ours says the difference between an ordeal and an adventure is attitude, and it’s true. If you are finding that your blood pressure is rising because a sense of timing is different in your newfound county than it was back home, take a deep breath. Step back. Enjoy what this new lifestyle has to offer and realize that it’s a package deal.
Try to get less done in a day instead of tackling those six different locations before noon. You are retired! Enjoy the leisurely pace instead of battling against it. Practice your communication skills with vendors or with your maid and gardener and reap the benefits of learning a new language. If street dogs proudly do their business on sidewalks learn to step around it, accept it, or scoop it up yourself to dispose of it.
In foreign countries, celebrations will occur on dates that have no meaning to you. Processions will assemble, stopping traffic and shutting down streets. Banks will close. Rockets will be set off at odd hours of the morning and evening perhaps disrupting your sleep schedule. Neighborhood dogs will bark, interrupting your peace.
While living on the tropical paradise island of Nevis, in the West Indies, a local man tied his donkey outside our bedroom window. This donkey brayed early every morning and throughout the day. What an unexpected sound!
You can allow these things to rupture your contentment, or you can roll with the events and choose to be unperturbed. Focus on the fact that the weather is glorious, the prices are affordable, medical care is abundant and accessible and you actually have house and garden help which make your life easier.
Adjust to living locally
Some people allow themselves to become upset because they insist on eating certain brand label foods. In a foreign country these foods are now “imported” costing outrageous amounts. The more one insists on eating imported foods, the higher the cost of living, and the benefit of lower pricing in your new location is undermined. As much as possible, purchase local brands of cheese, butter, chocolate, mustards, syrups and sundries. Local products are often quite good, so save that imported item for a special occasion and enjoy the savings to your wallet.
If there is a large Expat community, chances are there will be a selection of international restaurants. This can be so enticing and eating in these locations will probably appeal to you. Just remember that the prices in these establishments are generally higher than in local businesses. If your budget will tolerate these prices, then there is no issue. If you are trying to live well on less, it’s best to choose to eat local and save the tourist haunts for a special time.
Even though for ages one might have dreamed of living in a tropical climate, actually living in one might not be what you expected. Many southern countries have two seasons, wet and dry. Dry season can be windy or dusty and could aggravate one’s allergies or sinuses. When it’s the wet season, often times in the tropics, buckets of water will fall drenching the landscape.
It’s far more beneficial to one’s lifestyle to focus on the crisp clean air and green hillsides during rainy season, and the spectacular sunny days of the dry season than to find things to complain about.
Generally speaking we have always suggested renting before one purchases property in a foreign country. If you find out that you are not as flexible as you might have earlier assumed, then changing your mind is far easier than getting into the entanglement of selling your property in order to pursue a new location.
Not everyone can mentally and emotionally adjust to their new home country. When planning your dream retirement life, take what we have offered here into consideration. Be willing to adapt. If you are not inclined to align yourself constructively with your new locale, you will be setting yourself up for some unnecessary misery.
About the Authors
Billy and Akaisha Kaderli are recognized retirement experts and internationally published authors on topics of finance and world travel. With the wealth of information they share on their popular website RetireEarlyLifestyle.com, they have been helping people achieve their own retirement dreams since 1991. They wrote the popular books, The Adventurer’s Guide to Early Retirement and Your Retirement Dream IS Possible.
In a recent report, the U.S. Department of Health and Human Services said that in 2017 insurers will raise the premiums for plans sold through HealthCare.gov by an average of 22 percent — about triple the 7.5 percent increase from 2015 to 2016. In some states, the premiums will go up as much as 30-100%.
Mauldin Economics recently reported The Affordable Care Act (ACA), which at this point should be renamed EECA (Excessively Expensive Care Act), is in its death throes.
Let me just recap some of the most vital facts for you:
- A family of four making $60,000 per year could spend almost one-sixth of their pretax income on health costs (premium plus deductible) before receiving any insurance payment.
- In 2017, insurance premiums in many states will rise by 30%-40%—further squeezing middle-class Americans who make too much to be eligible for a tax credit and too little to be able to afford the high premiums and deductibles.
- More and more insurers throw in the towel because financial input vs. output just doesn’t add up for them. In 2016, 225 counties in the US had only one health insurance carrier in the ACA marketplace. In 2017, that number will rise to 650 counties.
With 10,000 people turning 65 every day in the United States, the share of the US population aged 65+ grows—from 47 million today to 72 million by 2030, a 60% increase—more and more money will be spent on healthcare, ultimately suffocating the already weakened US economy.
SO, WHAT’S THE SOLUTION?
With health care cost rising, more Americans than ever are choosing to move to Panama so they can significantly reduce their health care and health insurance costs.
In Panama, healthcare expenses are based on the local cost of living which is much less than the United States. In addition, frivolous lawsuits are non-existence in Panama so malpractice insurance is very low for doctors. For these reasons, Panama healthcare and health insurance cost a small fraction of what they would cost in the United States. Despite the lower costs, the quality of care is high.
A routine doctor visit is $10 to $20 in Panama. That’s not a co-pay. That is the total cost without insurance. A specialist is $30 to $40. If you need to go to the emergency room, it will set you back $25 an hour. These are the prices without insurance.
Many expats living in Panama self-insure because the costs are so low. They can take advantage of the public hospitals where it is only $1.50 to see a doctor and $10 a day if you are hospitalized. A friend was hospitalized with a heart attack a few months ago. After 10 days in the public hospital, his cost was less than $1000 including MRIs, Cat Scans, and medications. Prescriptions are 90% less at the public hospitals too.
But, because health insurance is so affordable in Panama I think it is wise to get health insurance when you can afford to. With a higher deductible, you can reduce your monthly or annual premium.
Health insurance prices will depend on your age.
You have several choices for health insurance. You can get insurance which only covers you in Panama. Or, you can get international health insurance which will cover you in Panama, the United States, or any other country. These plans usually require that you are under 74 on the day you sign up but then they cover you for as long as you pay the premium. They may exclude pre-existing conditions for the first year or two then cover the condition after that.
Before moving to Panama, I tripped on a blanket and fell down the stairs at my house in Dallas. I damaged my eyes and had to have two eye surgeries in Texas. I thought my eyes would be excluded from my insurance in Panama but it was not.
Since living in Panama, I have had two more eye surgeries including a lens replacement. Insurance covered the cost of both surgeries in Panama. I can honestly say that the quality of the care I got in Panama was far superior to the care I got in Texas.
Another affordable option for health insurance in Panama, is a medical reimbursement plan through Pan American Life Insurance. With this insurance, there is no age restrictions, no deductible, and they cover pre-existing conditions after the first year. This plan covers 70%. But with costs so low for a doctor visit or a hospital stay, your out of pocket expense is still very low.
A 68 year old woman who came on my tour then moved to Boquete is paying $82 a month for the medical reimbursement plan with Pan American.
Panama health insurance companies will not issue insurance until you are living in Panama. You’ll need to prove that you are renting in Panama or have bought a house. And they will have have restrictions about how long you can back in your home country to stay insured. So, you cannot buy insurance in Panama at the much lower price then move back to the United States full time.
Shop around for health insurance. And beware that many insurance “brokers” charge 30-40% more for health insurance. You’ll save money by buying your insurance directly from the company instead of using an insurance broker.
There are other savings when it comes to health care in Panama It cost about $30 to get your teeth cleaned. It is less than $1000 for a dental implant. A friend had an upper and lower eye lift in Panama City for only $2200. These low prices are attracting medical tourist to Panama.
You can go in to any lab to order your own lab work without a doctor prescription. I recently paid $42 for a complete lab workup. This price did reflect a 25% Pensionado discount.
This special Pensionado discount is valid for doctor visits, hospital stays, and prescription drugs. The Pensionado discount is for Panamanian or expat women who are over 55 or men who are over 60.
Many Americans are moving to Panama for more affordable healthcare and health insurance.
It’s unfortunate that people in the United States don’t have an affordable solution for health insurance. My healthy 34-year-old daughter would have to pay $297 per month for insurance with a $6,000 deductible under Obamacare. Or she can pay a $1100 a year penalty for not having insurance then pay out of pocket for healthcare. With a deductible that high, it is doubtful that she would ever actually get to use her insurance so it just makes more sense to pay the penalty for not subscribing to Obamacare.
Many people in the U.S. don’t know how bad and how expensive health care is in the United States or that there are very affordable alternatives when they live in Panama.
Many of the doctors in Panama were educated in the United States and some are even Board Certified in the United States. You can find any specialist in Panama that you’d find in the US too.
Quality Hospitals too
Panama has quality hospitals too. Punta Pacifica Hospital, the Johns Hopkins International-affiliate, is known as one of the most technologically advanced medical centers in Latin America. Hospital Paitilla is affiliated with the prestigious Cleveland Clinic. San Fernando Hospital is affiliated with the well-known Tulane University Health Services Center and Hospital Clinic, Baptist Health International of Miami, and the Miami Children’s Hospital. Hospital National is run by the American Hospital Management Company, which is affiliated with the University of Nebraska Medical Center and the Kendall Medical Center in Florida.
Hospitals, medical centers, pharmacies, dental clinics and labs are readily available in cities throughout Panama.
Prices for prescription drugs in Panama can be very low as well. They are priced for the local market. Unless you are buying an antibiotic or a narcotic, you will not need a prescription so you can save money on unnecessary doctor visits.
WHAT ABOUT MEDICARE OR TRICARE?
Neither the U.S. Medicare program nor the Canadian Health System provides coverage for hospital or medical costs outside the United States and Canada. Some expats keep these plans then have an additional Panama only plan to keep their costs down. Others decide to just get international health insurance then opt-out of Medicare.
US military veterans and disabled veterans are eligible for free medical and prescriptions in Panama.
Como No? This is a popular phrase in Panama. It means WHY NOT.
With a more affordable cost for health care and health insurance plus the lower cost of living in Panama, COMO NO relocate to Panama?
It’s certainly worth checking out Panama to see how you can reduce your health care and health insurance costs. Plus you’ll discover how you can live BETTER for LESS.
Join us for a Panama Relocation Tour to discover what your life could be like living in Panama. During the tour, you’ll receive details about various health insurance companies including their direct contact information. Plus you get to visit many different areas in Panama and meet expats who live there.