Retirement in Mexico https://www.mexperience.com Experience More of Mexico Wed, 07 Aug 2024 21:02:48 +0000 en-US hourly 1 https://wordpress.org/?v=6.6.1 124046882 Key Benefits that Mexico Offers to People in Retirement https://www.mexperience.com/key-benefits-that-mexico-offers-to-people-retiring-here/ Wed, 07 Aug 2024 21:02:48 +0000 https://www.mexperience.com/?p=56780_4571c5ed-93ad-41ea-a1a3-4c6763025da8 Mexico has a lot to offer people relocating here and it's especially attractive to retirees as some of the features and benefits are especially helpful to them

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In the same way that you’ll determine if Mexico is right for retirement by determining if Mexico is right for you and your situation as a place to live, so the key benefits Mexico offers are universal to all, regardless of their life stage.

However, Mexico is especially attractive to retirees because some of these features and benefits can be especially helpful to people in retirement.

This article summarizes the key benefits Mexico offers to retirees and connects you to detailed information and local knowledge published here on Mexperience for further reading and research.

Agreeable climates

Climate affects us every day, and Mexico offers agreeable climates, often temperate or warm, and cold only at higher elevations in certain regions—and then only for limited times during the year.  Connect to a wide range of articles and guides on Mexperience for more details about climate, seasons and weather in Mexico.

Further Insight about climates and weather in Mexico

Latest articles about climate and weather in Mexico

Learn about Mexico’s three climate zones

Discover Mexico though the seasons of the year

Places in Mexico that can get cool or cold in the fall & winter

Learn about the rainy season and the dry season

Find out Mexico’s extraordinary light and long daylight hours

Plenty of choices for location types

Mexico offers retirees choices in the types of places they can live in; from coastal locations that offer winter warmth, to mountain towns at elevation that offer year-round temperate climates.

Some places are more urbanized, others offer a countryside idyll surrounded by nature.  ‘Remote’ places popular with foreign residents tend to be within an hour’s drive of a large town or city that offer services and amenities retirees often seek, including healthcare services and major stores.

Our articles about discovering places to live in Mexico offer practical insights that can help you to consider the various locations on offer and discover potential places to live in Mexico so you can narrow your short-list according to your situation and considered lifestyle needs.

Fresh, locally produced food and drinks

Mexico’s shops and markets provide you with an abundant assortment of fresh food, especially visible at the vibrant, fragrant, local open-air markets here.

The year-round availability of delicious fresh fruits and vegetables, accompanied by a parade of colorful drinks and beverages made using them, makes Mexico one of the most attractive countries to be in if you enjoy good wholesome food that is also affordable.

Mexperience helps you to discover food and drink in Mexico as part of of your retirement research and planning.

Further insight about enjoying food & drink in Mexico

Latest articles about discovering and enjoying Mexican food and drinks

Learn about local food shopping choices in Mexico

Buying fresh, wholesome food without spending the whole paycheck

Some places offer open-air organic food and produce markets each week

Mexico also offers choices when you seek specialist imported food & drink

Craft beers brewed locally are growing in popularity across Mexico

Ample range of local products and amenities

Retirees coming to Mexico, especially those from the US and Canada, are likely to feel at home when it comes to obtaining many of the products, services, and amenities they have become accustomed to in their home country.

Mexico’s retail markets are extensive and well-developed; and there’s a large and growing selection of online shopping choices too.

Many products and brands foreign retirees are accustomed to seeing back home will be available in Mexico, either at one of the many supermarkets, through specialist retailers, or through online shopping options.

There are still some exceptions, for example, black tea, and alternatives for smokers are conspicuously absent; but Mexico today offers more choice and variety than it ever has before, and the range and selection of products and amenities continues to improve each year.

Local leisure amenities, including cafés, bistros, restaurants, gymnasiums, event centers, cinemas, theme parks, national parks and reserves, campsites, etc. are plentiful and readily accessible.

Further about local markets, services and amenities

Our guide to markets & shopping summarizes all the major shopping choices in Mexico from local tienditas and markets, to supermarkets and hypermarkets, department stores and special retailers

Our article about buying imported goods and homewares describes how you can obtain specialized and unusual food and home items that foreign residents tend to seek out

Browse our latest articles about eating out in Mexico

Like films? Learn about going to the movies in Mexico

Read our latest articles about markets and shopping in Mexico for even more insights

Affordable living costs

Retirees have different cost structures compared to people moving to Mexico who are of working age and perhaps with children to raise; for examples:

  • they have no school fees to pay or children to ferry around and take on school trips;
  • most have no mortgages and may also have no other substantial debts to service; and
  • they might also be able to live in Mexico without a car, which can save costs.

However, retirees have costs to consider and budget for in other areas that younger people might not have, perhaps healthcare costs being the major expense, and other assistance services, including home help and specialist care services that might have to be considered and duly funded.

Accessible transportation and communications

Most retirees travel within in Mexico to explore the country, as well as take trips to travel back to their home country to see family and friends (or they might receive visits in Mexico).

Some people retiring to Mexico might do so part time, spending only part of the year in Mexico, perhaps to overwinter here.

It’s for these reasons that good transport links, including decent roads and access to international airports, becomes important.

Mexico offers a well-developed and reliable transportation infrastructure that enable you to travel and be near other people who are close in your life, as well as excellent communications networks that enable you to keep touch at a distance, affordably.

Ample choices in accommodations

Retirees coming to Mexico who want to rent will find an ample choice of property types to choose from; our article about the practicalities of renting a home is worth reading to get local insights about that. (See link below.)

A wider selection of property types is available to retirees seeking a home to buy; and engaging the services of local real estate agent is an effective way search and buy a home here.

The links to the articles below help you to consider your accommodation choices when you’re thinking about retirement in Mexico.

World-class health and wellbeing services

Healthcare services and the availability of medicines is often near the top of retirees’ needs and concerns when they plan a move to Mexico.

All of Mexico’s popular retirement destinations are well served by doctors, dentists, opticians as well as a range of clinical and hospital services, including emergency care and specialized medical professionals and services.

Further insight about health and medical services in Mexico

Healthcare and medical services guides

Latest articles about healthcare and well-being in Mexico

Medical insurance options when you’re living in Mexico

Thriving retirement communities

In addition to the ample variety of types of locations on offer, the more popular locations to live in Mexico offer thriving and well-established retirement communities that help newcomers and long-time residents to get involved in local groups, societies, and events.  This is especially helpful when you are endeavoring to settle properly into Mexico, long term.

Further insights about choosing locations and settling-in to Mexico

Approaches to choosing your lifestyle in Mexico

Popular locations to live in Mexico

Emerging locations to live in Mexico

Underexplored places to live in Mexico

Settling-in and finding your rhythms in Mexico

Safety, and economic stability

Although media reports about security matters have put-off some people from visiting or retiring to Mexico, foreign residents of all life stages report that they feel safe in Mexico, and that the reality they live here every day is characterized by regular routines and being part of strong local communities where people look out for each other and work together to resolve issues if problems arise.

Retirees also enjoy stable lifestyles here, too—as the macroeconomics of the country are well-managed, markets work well, and there is a wide and regular availability of goods and services available, including increasing ranges of goods available through online companies that specialize in offering less common and imported products.

Warm, welcoming culture and language

Although English is widely spoken across Mexico, especially in the most popular retiree enclaves and tourist towns, learning or improving your Spanish language skills will help you enormously as you settle into your retirement in Mexico because it will give you deeper access to the local culture and enable you to integrate in ways that those who don’t speak Spanish cannot.

Mexico’s rich culture and its canny ability to assimilate foreign things without losing its own identity, offers retirees the opportunity of experiencing unusual celebrations and traditions which are nonetheless familiar.

Retirees get a front-row seat to all this culture and the events that surround it, and while others may dream of visiting Mexico in-season to experience these events, they are part of everyday life here for retirees in Mexico.  It’s an enormous, and often overlooked, benefit of living here.

Further insight about culture and language in Mexico

Public holidays in Mexico

Discover: Christmas, Easter, and Day of the Dead in Mexico

Local customs and traditions

Mexico’s culture

Foreign Native: articles that share insights into the local culture

Learning Spanish

PinPoint Spanish: context and nuances of Spanish in everyday use in Mexico

Further research and resources

Mexperience offers you a comprehensive online resource of information and local knowledge to help you discover Mexico, explore choices, find opportunities and plan a new life in Mexico.

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Guide to Living & Lifestyles in Mexico — Continually Updated https://www.mexperience.com/guide-to-living-and-retirement-in-mexico-updated/ Wed, 07 Aug 2024 15:26:54 +0000 https://www.mexperience.com/?p=46456---c8977680-e398-4de6-8e59-a5444e7002dd Our detailed guides to living, working, and retirement in Mexico are continually revised & updated to help you discover and cultivate a fruitful lifestyle here

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Comprehensive and detailed guide to living and cultivating a lifestyle in Mexico, continually revised and updated. Free—no payment or subscription needed.

Complete and detailed guide to Living & Lifestyles in Mexico that’s continually updated

Our extensive guides and articles offer insights to anyone exploring prospects for living, working, retirement and cultivating your lifestyle in Mexico.

They provide practical insights, incisive local knowledge, and meaningful guidance that helps you to discover opportunities, consider your choices, and make informed decisions.

Discover what lifestyles Mexico offers, identify opportunities of interest to you, weight up the compromises, consider your options, and plot a course based on the things that are important to you.

Guides to lifestyles in Mexico, for all life stages

Our continually-updated guides help you to begin weaving together the key components which create a workable and realistic lifestyle plan in Mexico, whatever planning stage and life stage you are in presently:

  • To those considering a move to Mexico, whether you are single, with your partner, or a family with young children, Mexperience helps you to discover the country and evaluate living and lifestyle choices available here.  Our guides also offer thoughtful guidance about setting out your intentions and reshaping your situations.
  • To those planning their retirement or seeking a place to retire, Mexperience guides provide specific guidance about matters related to retirement planning and retirement lifestyles, as well as the practicalities of retiring in Mexico.
  • When you’re already living in Mexico, our guides and articles provide practical insights that help you to settle-in, adapt, and cultivate your new lifestyle here day-to-day.
  • Regardless of your life stage, the information we publish provides meaningful insights about the essential day-to-day practical matters of living in Mexico, adapting to the country, the climates and culture, and more—with extensive cross references and links to further information and helpful contacts who can help you to realize your Mexico plans.

Planning or redefining your lifestyle in Mexico

Obtain practical insights, get incisive local knowledge and meaningful guidance that helps you to consider opportunities, weigh up your choices, and make informed decisions about planning or redefining your lifestyle in Mexico.

Mexico as a place for your retirement

We publish comprehensive information to help you plan a retirement here, whether you’re planning ahead or already retired and considering Mexico as a potential retirement haven.

Exploring locations and finding a place to live in Mexico

Our extensive articles help you to consider key aspects as you explore your options and make choices about your lifestyle and potential location types in Mexico.

Getting your residency permit for Mexico

Mexico’s immigration laws are reasonable and allow non-Mexicans with the financial means or family roots, and/or skills, to live here legally. We publish extensive knowledge to help you, including:

Residency permits for Mexico

A detailed summary about how to apply for residency in Mexico.

Learn about routes to obtaining legal residency in Mexico

Regularly updated articles and insights about obtaining and maintaining your residency status in Mexico.

Mexico Immigration Assistance

When you need assistance with your Mexico residency application, renewals, or regularization procedures, our Mexico Immigration Assistance Service provides consulting, advice, and practical help that helps you through the entire residency application or renewal process, including regularization procedures.

Moving and settling-in to life in Mexico

When you’ve decided to move to Mexico and made key decisions about where and how you’ll live, there’s the move a period of adapting and settling-in.  We publish extensive guides and articles to help you settle.

Learn how to keep in touch when you’re in Mexico

Our guides include detailed information about how to keep in touch when you’re in Mexico: by phone, by internet, as well as using postal and courier services here.  Our local knowledge helps you to choose a mobile phone plan, explore choices for high speed internet in Mexico (even if you live in a remote area) and our cost of living guide includes a section about the cost of communications services.

Connections to keep in touch

Learn about Mexico cell phone plans

Learn about internet services in Mexico

Wireless high speed internet at home via mobile and satellite

How to dial numbers to, from and within Mexico

The cost of communications services in Mexico

Detailed insights into the practicalities of living in Mexico day-to-day

Our articles and guides also include comprehensive insights about day to day living in Mexico that help you to plan your lifestyle, settle-in, and make the most of your life and activities in Mexico.

Mexico’s living costs and managing your finances

Financial considerations are an important aspect of any move.  Mexperience helps you to calculate your cost of living in Mexico and offers practical tips for managing your money and finances here.

Money and finances

We don’t recommend you plan a lifestyle here solely based on living costs, but they are a key factor to consider and our extensive guide to the cost of living in Mexico will help you to map-out a detailed budget based on your individual life situation.

Browse our regularly-updated articles about money, banking and finances in Mexico to get practical insights into managing your money when you’re here.

Learn about Mexico’s currency and its banknotes

Mexico as a place for working-age professionals

Working-age professionals, especially those plying a trade in the knowledge economy, are also considering Mexico as a base to live and work.

Working life in Mexico

And more… resources for Living & Lifestyle in Mexico

Mexperience offers you a comprehensive online resource of information and local knowledge to help you discover Mexico, explore choices, find opportunities and plan a new life in Mexico.  Our resources include:

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Discover Places for Living, Working or Retirement in Mexico https://www.mexperience.com/discover-places-for-living-working-or-retirement-in-mexico/ Mon, 05 Aug 2024 21:00:42 +0000 https://www.mexperience.com/?p=56511_8bc75f90-b991-4844-98e4-69761f916fff This series introduces you to locations in Mexico that foreign residents consider for living, working or retirement, organized by their current notoriety

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Mexico offers foreign residents plenty of choices in regard to locations for living, working or retirement.

Place is personal, subjective, and important—and as you consider places to live in Mexico, Mexperience helps you to consider your choices and shortlist locations that may suit your lifestyle needs.

Discover locations to live, work or retire in Mexico

To help you discover and explore potential places to live here, Mexperience publishes a curated list of locations to consider for living, working or retirement in Mexico—organized by popularity and notoriety and classified by the location type.

Our articles introduce you to key places where many foreign residents live now, emerging locations that are becoming increasingly popular with foreign residents, as well as those places that are less well known, or situated off-the-beaten path. We also publish a selection of detailed guides of places to live in Mexico:

Discover the most popular places to live in Mexico

Discover locations that have for a long time, or in recent times, garnered considerable popularity with foreign residents (retirees and others) and have active communities of interest established at the location.

Discover popular places to live in Mexico

Discover emerging locations to live in Mexico

Discover locations that have, in recent years, been catching the attention of foreign residents and have fledgling or developing communities of interest present there.

Discover emerging locations to live in Mexico

Discover underexplored locations to live in Mexico

Discover places that do not have significant numbers of foreign residents already established and are generally ‘off-the-beaten-path’ for most foreigners considering Mexico for living and retirement. These places can offer attractions that may be of interest to some potential foreign residents and retirees seeking someplace more traditional, unusual, and with a lower concentration of foreign residents living there.

Discover underexplored places to live in Mexico

Detailed living guides

For detailed guides to selected places to live and work or retire, connect to our section with Guides to Living Places in Mexico

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INAPAM Program Might Be Closing to Foreign Residents https://www.mexperience.com/inapam-program-foreign-residents/ https://www.mexperience.com/inapam-program-foreign-residents/#comments Sun, 04 Aug 2024 15:43:40 +0000 https://www.mexperience.com/?p=58035_6636bce3-b286-4c50-ad87-c7762325e1f9 The discount program that is offered to seniors aged 60 and over has become increasingly restrictive to foreign residents who go to apply for the card

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One of Mexico’s popular programs for seniors is the INAPAM discount card, that offers people aged 60 and over an opportunity to enjoy discounts on a range of services and products in Mexico, including long distance public transport.

The program has historically been open to Mexican nationals (and naturalized foreigners) as well as foreign residents holding temporary or permanent residency cards.

Recent patterns suggests a quiet change in policy

Readers living in Mexico have been writing in to tell us about a change in pattern they are experiencing when they attend INAPAM offices to apply for the card, describing how it’s becoming increasingly restrictive and difficult to obtain.

Reports about availability of cards for foreign residents vary by INAPAM office by state, but this is the pattern that has been emerging in recent times:

  • Where previously temporary and permanent legal foreign residents were offered the INAPAM card, some offices began to restrict the card to permanent residents only.
  • Some offices offered cards to temporary residents only if they could prove they owned a house in Mexico.
  • In recent times, applications filed by foreign residents have not received a response or been processed, with staff at the offices citing administrative technicalities—such as the unavailability of special forms or cards.
  • We have recently learned that INAPAM offices in at least two states have declared that foreign residents need to show their naturalization certificates to obtain the cards—effectively closing the program altogether to legal foreign residents.

One of our associates visited the INAPAM office in Mérida, where they were told that current delays in issuing cards to foreign residents were due to the unavailability of forms required for foreign resident applications. When pressed about whether the program was effectively closing to foreign residents, the staff replied that they had not received any official directive to that effect.

How to approach the situation

If you’re legally resident in Mexico and intend to apply for the INAPAM card, it’s worth keeping in mind that this change of pattern is taking place and you might not be able to get the discount card at this time.

  • If you want to apply, we suggest that you visit your local INAPAM office and talk to the staff there about applying as a foreign resident.
  • Some offices accept applications, but we know that in several places foreign residents have been waiting many months for their cards and have no indication when or if their cards will be issued to them.
  • The office you attend might tell you that you need to show your naturalization certificate to apply. If this is the case, the program is closed to foreign residents at that office.
  • Reports vary by state and INAPAM office. It might be that the state or municipality you apply at accepts your application and issues a card.  The only way to know is to ask locally.

You can ONLY apply in the state where you live

All INAPAM offices ask for proof of your physical address and you can only apply in the locality where your address is located, so you can’t attend an office out of your area to apply.

Visit and talk to a representative at your local INAPAM office for details.

Existing INAPAM card holders

The INAPAM card never expires, so for those foreign residents who already have cards, they continue to work as normal.  Absent an official announcement about any of this, we do not know if in future foreign residents’ INAPAM cards will remain valid.  If you lose or damage your existing card, it might be difficult or impossible to obtain a replacement at this time.

Future updates and readers’ experience

We will keep this article updated as new information becomes available.

If you have recently applied for an INAPAM card and would like to share your experience, please use the comments form below.

Resources for Living & Lifestyle in Mexico

Mexperience offers you a comprehensive online resource of information and local knowledge to help you discover Mexico, explore choices, find opportunities and plan a new life in Mexico.  Our resources include:

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INAPAM: Mexico’s Discount Card for Seniors https://www.mexperience.com/inapam-mexicos-discount-card-for-seniors/ https://www.mexperience.com/inapam-mexicos-discount-card-for-seniors/#comments Sun, 04 Aug 2024 15:40:48 +0000 https://www.mexperience.com/?p=3058---8371c5ec-4f34-4e8f-8438-3172b0917330 A popular program for senior citizens in Mexico is the INAPAM discount card. This article explains what it is, its benefits, and the enrollment process

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One of the most popular programs that senior citizens in Mexico enroll for is the discount card offered the INAPAM (Instituto Nacional para las Personas Adultas Mayores).

INAPAM Qualification and Foreign Residents

Recent contact from readers suggests that the INAPAM program might be closing to foreign residents.  See this article for details.

How does it work?

The program is open to persons who are 60 years of age or older, and the card issued by the institution enables holders to enjoy worthwhile discounts on a wide range of goods and services including food, medicines, transport, clothing, as well as recreation and leisure activities.

Many firms and businesses actively advertise the fact that they offer discounts to INAPAM card holders, and even those who don’t advertise it might give a discount on goods and services you buy if you present your card to them.

Many organizations in Mexico are pleased to give seniors a discount, and this card is the means by which prove your legal residency and age qualification.

Using the card for discounts

Once enrolled you receive a plastic card that you can present at thousands of stores, businesses, and government service agencies across Mexico to claim discounts  typically between 10% and 50% on goods and services you buy.  Some local municipalities are also offering discounts on property taxes and water bills to senior citizens with this card.

Discounted services discounted using your INAPAM card

A wide range of stores and services offer discounts to seniors in Mexico who present their INAPAM card at the time of the purchase.  Some advertise the discounts, although its always worth asking at the sales counter or checkout what discounts might be available.

Here are some examples of the most common services seniors can get discounts with using the card:

Healthcare services and medications

Most pharmacies give discounts on medications (medicines are already much less expensive in Mexico than the US, and these discounts are in addition to the lower prices Americans enjoy here), and some dentists and doctors and other medical specialists will also give seniors a discount when they present the card.

Public transportation

Bus companies, airlines, and some local taxi firms offer discounts on fares.

Food and groceries

Local food stores, convenience stores, and specialist food emporiums offer discounts on your grocery shopping, saving you more money on your basic living costs.

Leisure and travel services

Many hotels and travel agencies in Mexico offer discounts to senior citizens who present the card.  If you plan a party or celebration, many of the festivity halls (salon de fiestas) offer a discount on rentals to seniors booking the facilities.

Eating out and take-away

Many cafés and diners, including the big-name national diner chains, offer discounts to INAPAM card holders whether you eat-in or take-away.

Cultural centers

Many museums, archaeology parks, art galleries, and bookstores offer discounts to card holders.

Miscellaneous goods and services

A wide range of businesses offer seniors a discount when they present their card, for example: legal firms, art & craft stores, car service and repair centers, computer sales and repair stores, clothing and apparel stores, accountants, construction firms, hardware stores, florists, printers, locksmiths, jewelry stores, beauty salons, home DIY centers, stationers, plumbers, electricians, dry cleaners, veterinary services, etc.

Discount on property taxes and water bills

Some local municipalities are offering seniors a discount on their annual property taxes (Predial) and their water bills.  Discounts, where offered, vary by municipality—check locally for details in your area.

How to apply for the INAPAM discount card

The INAPAM card is available to all seniors who are 60 years or older who are Mexican or legal foreign residents of Mexico. It’s simple and free to apply for the card.

You must apply in the area where you live

All offices ask for proof of address and you can only apply in the locality where your address is located, so you can’t attend an office out of your area to apply.

There are four requirements which need to be met:

  • you will need to present some official identification that also proves your age, like a passport or driver’s license, or your birth certificate; and
  • as a foreign resident, you will also need to present  Residente Temporal or Residente Permanente residency permit (or the former FM3/FM2 if you still have this version); and
  • you will also be asked for a utility bill or some other official document that shows your current address in Mexico. Most people use their telephone or electricity bill; this must be recent—dated within the last 2-3 months; and
  • you’ll need to take along two photographs of yourself taken in the last month in the same size and format as those required for a passport or immigration permit: “infantil” size, front-facing, no glasses, no hats, and printed on professional photographic paper (self-printed photos are not accepted).

You take these documents (as well as 2 photocopies of each) along with your photographs to your local government office dealing with INAPAM applications (check locally where you live) and, when the application is completed, you will be presented with a card that you can use to obtain the discounts.

Spanish: The forms must completed in Spanish and the interviews at the local INAPAM offices are conducted in Spanish only.

Legal residency in Mexico: If you need information about residency permits for retirees in Mexico, read our article about the principal routes to residency.

Making retirement plans? See our extensive articles and guides to retirement in Mexico.

Assistance with your INAPAM application

Helpline: The government also staffs a toll-free helpline that is open from 8:30 a.m. to 2:30 p.m. weekdays to answer questions you may have. The call is free from inside Mexico, dial 800 007 3705. (Spanish only.)

Website: You can find additional information online about the program and the application process on the INAPAM web site. The web page is in Spanish, and you can use the Google page translation feature if you need to. (Or ask a friend to help.)

Cost of living in Mexico

With the INAPAM card, seniors retired in Mexico can enjoy additional discounts from defined product and service providers, and thus help to make their retirement incomes stretch further.

Calculate your living costs: To calculate how much it will cost you to live in Mexico, read our Mexico Cost of Living Guide.

Practical help with residency applications in Mexico

Download our free eBook about Mexico Immigration for detailed guide to applying for and obtaining a residency visa in Mexico.

Get practical help with your residency application using our Mexico Immigration Assistance service.

Resources for Living & Lifestyle in Mexico

Mexperience offers you a comprehensive online resource of information and local knowledge to help you discover Mexico, explore choices, find opportunities and plan a new life in Mexico.  Our resources include:

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Health and Medical Insurance Options for Mexico https://www.mexperience.com/health-and-medical-insurance-options-for-mexico/ Sun, 04 Aug 2024 11:03:44 +0000 https://www.mexperience.com/?p=28470---0095b61a-c98d-4e14-8026-2d6d61bb6009 Learn about medical insurance options for short visits, extended stays and long-term residency in Mexico

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Mexico’s public health service does not have reciprocal agreements with any other country, and US Medicare is not available here so visitors and foreign residents need to make specific provision for their health care needs.  In the event of an incident that requires healthcare or medical attention, you’ll need to pay out-of-pocket, or arrange a health or medical insurance policy that is valid in Mexico and provide suitable cover for you and your partner/family in the event of an accident or illness.  This article explains the various options for visitors, extended stays, and foreign residents.

Health Insurance for Short Visits to Mexico

If you’re visiting Mexico for a short period —on a vacation or short business trip, for example— travel insurance policies which cover you for a limited time while you’re away from home should suffice.  These might be provided by your current healthcare provider (but double-check the small print), through an employer’s health plan if you’re here on a short business visit, or through purchase of a short-trip travel insurance policy.  You can learn more about short-term travel health insurance on our guide to insurance in Mexico.

Health Insurance for Extended Stays in Mexico

If you plan to be in Mexico for an extended stay, but don’t intent to take-up residence in Mexico – for example, you might take a sabbatical, a volunteer job, or plan to stay in Mexico for six months or less, then a short-term travel insurance policy might not cover your needs.  In these circumstances, you may consider a private health insurance policy that covers you locally and, if you retain health coverages in your home country, you might also consider taking out a medical evacuation plan in the event of a serious medical incident that requires you to be flown home for treatment and recovery.

Health Insurance for Foreign Residents in Mexico

If you intend to apply for, or have, legal residency in Mexico, a travel insurance policy won’t be valid as these are designed for people who come to Mexico for a short defined period and return to their country of residence.  If you have health insurance cover in your country of residence, the policy might cover you if you’re living abroad (but probably won’t) and in most cases you would need to evacuate back to your home country to avail yourself of any coverages.  Therefore, if you plan to reside in Mexico, you should consider health insurance coverages that will be valid and provide adequate care for your needs.  Here are the options:

Mexico’s IMSS Medical Insurance

Foreign residents (temporary or permanent) can apply for the Mexican public healthcare insurance system known an IMSS on a voluntary basis which provides access to certain doctors, clinics and hospitals in Mexico.  Some medications are also covered under this plan.  Coverage costs depend on your age; restrictions and limitations apply and, like all publicly-funded healthcare systems, patient demand is usually higher than the supply of services, so you may have to wait for care. (Note also that people who are enrolled in IMSS through an employer get priority over those who enroll voluntarily.)  This article explains the IMSS medical insurance system in Mexico.

Private Medical Insurance in Mexico

Most foreign residents who can afford to do so will take out a private medical insurance plan that covers their personal needs and gives them direct access to private doctors, clinics and hospitals in Mexico.  Policies are crafted to the individual situation of the person, couple, or family, and premiums depend on things like your age, term of coverage, coverages included, and the deductible you are willing to pay in the event of a claim.  You can complete this health insurance request and our associate will contact you personally to discuss your situation and needs, and provide a no-obligation quote for you to review.

Medical Evacuation from Mexico

If you are resident in Mexico and continue to have health coverage in your home country then you might consider a medical evacuation plan to enable you to get home for treatment and to convalesce close to your own doctors and family in the event that you experience a serious accident or health event (e.g. heart attack) while you are here.  Note that medical evacuation insurance coverages only cover evacuation costs in serious cases and so you’ll need to get routine or non-critical health matters attended to in Mexico.

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Influencing Factors as You Choose a Place to Live in Mexico https://www.mexperience.com/influencing-factors-as-you-choose-a-place-to-live-in-mexico/ Sat, 03 Aug 2024 19:01:29 +0000 https://www.mexperience.com/?p=56578_26040274-3b3d-4a6f-a3f3-ce237afa2643 Key factors and choices to contemplate as you shortlist potential places to live in Mexico and consider how they may suit your lifestyle needs

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Choosing a location in Mexico to live is a fundamental decision, and a key milestone in your planning once you make that choice.

Some people who know Mexico and have been visiting here for many years may have a clear idea about where they want to live.  The place is known to them, they might already have an established network of acquaintances, friends, and contacts there; they are probably familiar with the location and the areas surrounding it, and they might even own a home there already which they have been using for extended visits without having moved to Mexico to live full-time.

Others may have some outline thoughts and ideas about the different regions, and some limited experience of having visited some places in Mexico. Some people will be approaching Mexico for the first time, with little or no prior knowledge of the country.

This article highlights and explores key factors and choices to contemplate as you consider short listing potential places to live or considering whether places you already know will be suitable for your lifestyle needs.

Key factors to consider when you’re researching places to live in Mexico

For many people, choosing a place to live in Mexico can be something of a blank canvass.  Our detailed article about matching your lifestyle needs with your location provides helpful foundational guidance that will help you to consider places beyond their notoriety or current popularity.

Key factors are summarized in the section below; and by connecting to our related articles and guides, you’ll be able to begin your search in earnest for potential places to live here.

Our series on places to live, work or retire in Mexico summarizes a list of specific locations to discover and consider.

Local climate and seasons

The climate and seasons are key factors you should consider when you’re exploring potential places to live in Mexico.  Places you visited on vacation might be fine for short periods, or during certain seasons; ideally, seek out locations that offer climates which will be agreeable to you and your intended lifestyle activities year-round.  Our article, land of three lands, describes Mexico’s three principal climate zones, and our article, hot coasts, cool colonial cities, describes the contrasts between living along the coastal plains and living in the highlands.

Consider the local topography

Also consider the topography—the terrain matters because it affects climate, accessibility, and practical matters like getting around and adjusting to living at elevation.

Mexico’s beautiful mountain towns are quaint and picturesque, but some of them are literally built-in to the side of a mountain and feature steep roads and sidewalks. In some mountain towns, houses are constructed on several ‘terraced levels’ to compensate for the steep terrain on which they are built.

The beautiful colonial cities of Guanajuato and Taxco are good examples of this.  If you have or develop any mobility issues, these sorts of places can be, or become, physically challenging to live in.

You might also to consider how you will cope with living at elevation; most people can adjust to living in thinner air, but you ought to keep this in mind if you’re moving from a low-elevation area to living a mile or higher up on a mountain.

Choosing between urban, semi-urban, and rural locations

Another key element to consider is whether you want to live in an urban, semi-urban, or rural location in Mexico.

Mexico’s cities offer all the services and amenities most foreign residents need and are also the most crowded.

Semi-rural locations are generally small or medium sized towns within a 30-to-60-minute drive of a big town or city.

Rural Mexico is unlike rural towns and villages in the US and Europe, for example; it offers some outstanding opportunities for picturesque countryside living, but it will require you to make some compromises and organize your lifestyle routines somewhat differently than if you are in a larger town or city.

The value of good a real estate agent

Working with a local real estate agent, especially when you’re buying a home, can be a worthwhile investment. Well established realty agents carry a wealth of local knowledge, and the best ones have lived and worked at the location they represent for several years or more.  A good local agent can apply their experience to give you invaluable insights and assistance in finding a home, and settling-in by connecting you to local contacts and helping you to make new acquaintances some of which might evolve into new friendships.

Speaking Spanish is important, regardless of location

It’s quite hard to live in Mexico and operate effectively on a day-to-day basis if you don’t speak at least some Spanish.

Living in or near a community of foreign residents will provide you with an immediate support network and there will be people there who can ‘show you the ropes’ and interpret for you if you are new in Mexico and speak little or no Spanish to start.  However, not all places that you might want to live in Mexico offer this, and so being able to converse in Spanish becomes essential.

Being able to converse in the local language offers access to the culture and enriches your overall experience of any foreign country. You will enjoy Mexico a lot more if you take some time to learn, or improve, your Spanish language skills.

Mexperience offers resources including an entire series of articles that help you to get acquainted with the context and nuances of Mexican Spanish language in everyday usage, and shares connections to language learning online, and at schools in Mexico.

Further insights about learning Spanish

Connect to helpful resources for learning Spanish

Study Spanish language usage with our PinPoint Spanish series

Discover and connect to Spanish language courses

Choosing between expat, local, and gated communities

When you have chosen a location to move to in Mexico, you will have three broad choices regarding the type of community and neighborhood you live in; these are:

Expat community locations: to live among other foreign residents, in well-established locations that are popular and often concentrated with other foreign residents; or

Gated communities: to live as part of a gated community that is most likely to be home for a mix of foreign residents and Mexicans; or

Traditional neighborhood: to live in traditional local Mexican neighborhoods.

Expat community locations

If you choose to live in a location that is popular and well-established with other foreign residents, —Lake Chapala, San Miguel de Allende, and Puerto Vallarta are prime examples— you’ll likely find yourself living in a neighborhood or area that has a relatively high concentration of other foreign residents living there, too.

This can provide excellent social and practical support, especially during your settling-in period, and can be enormously helpful as you begin to make new acquaintances and friends and need advice about contacts for services and amenities that you want or need locally.

You also have the advantage of moving into a mature community that has well-structured and organized groups and local societies that address many of the needs and interests of foreign residents.  They also provide helpful opportunities to meet socially with people who share your language and culture.

Many foreign residents move to these well-established places and cultivate thriving lifestyles there. The higher demand for these locations means that you are likely to pay a premium for property—whether you rent or buy.

A potential risk of creating a dependent lifestyle in these places is that you might settle yourself into some form of ‘lifestyle bubble’ that is somewhat removed from everyday Mexico and by design limits your social circles—but it doesn’t have to be this way: plenty of people enjoy the benefits of living in communities heavily populated by foreign residents and integrate constructively with local people, culture, and events; learning (or improving) your Spanish is a key skill in this respect.

Further insight about living in expat communities

Discover popular places to live in Mexico

Article series: Essential skills for expats in Mexico

Connect to helpful resources for learning Spanish

Living in gated communities

Regardless of whether you live in a location that has an established community of foreign residents already living there, or somewhere less popular with foreigners, most towns and all cities offer the choice of living in a ‘gated community’—a private complex of residential homes that might also feature some shared spaces for social gatherings and other residential amenities like swimming pools, children’s play areas, sports facilities, gyms, and roof gardens.

Most condo units are part of a gated community. Our Guide to Real Estate in Mexico describes the types of homes available in Mexico, including those inside gated communities.

These gated communities offer several advantages, especially regarding management and security, as most of the matters related to maintenance, utilities, and upkeep are managed on behalf of the owners (or tenants) in exchange for a monthly Homeowners Association (HOA) fee.

The ratio of foreigners to Mexicans living in gated communities varies greatly and depends on the location, the locale, and the gated community itself.  If there is a strong contingent of foreign residents living there already, you might find connections there to expat groups, societies, and events through meeting your neighbors and local notice boards or private online social media groups run by the residents.

In gated communities where foreign residents are not highly concentrated, you can still make new connections and get involved in local community activities through meeting your new neighbors, kindling acquaintances, and developing new friendships.  Being neighborly is also an ideal way to improve your Spanish and many Mexicans enjoy talking with foreigners so that they can practice and improve their English.

Further insight about gated communities

Discover emerging and popular places to live in Mexico

Guide to real estate in Mexico

Guide to home maintenance and security

Living in local Mexican neighborhoods

Some foreign residents seeking a place to live in Mexico might consciously make a choice to avoid places that already have strong contingents of other foreign residents living there; choosing instead to seek less popular places and to live in traditional Mexican neighborhoods where few other foreigners are likely to live in the immediate vicinity.

Most (but not all) foreigners who choose to live within the heart of a local Mexican community will know Mexico already, and their choice of community will come about either through knowing the location where you’ve chosen to live, or perhaps through having rented a home locally for a while and explored potential local options before deciding.

Some people who move to Mexico are more intrepid and carry within them the motivation and character to beat a new path for themselves and thrive without the need for a location already established by foreign residents, or within the managed structure of a gated community.  They might or might not know Mexico well; and some might live with Mexican partners or family here, which facilitates a move into a traditional Mexican neighborhood environment.

Property prices (rentals and purchases) are generally lower in local Mexican communities than in locations already settled with a high concentration of foreign residents.

Cultivating a lifestyle within a Mexican local community will require you to have a good-enough command of the Spanish language to be able to operate, especially regarding finding a house to rent or buy locally and maintaining that property—that you will also have to manage yourself.  Our guide about home maintenance and security offers in-depth practical tips for doing that.

You’ll also need to assimilate Mexican social culture more quickly, and possibly without the aid of other foreign residents nearby providing their personal experience and guidance; our free guide to social etiquette offers an excellent primer.

Further insight about living in traditional neighborhoods

Discover emerging and underexplored places to live in Mexico

Guide to home maintenance and security

Guide to social and business etiquette

Connect to helpful resources for learning Spanish

Factors that may influence your location shortlist

When you have considered what is influencing your choices about a places to live and undertaken some research of specific places to live, the next logical step is to compile a shortlist of places that you would consider moving to in Mexico.

Most people’s shortlist will likely be influenced by these significant factors:

Familiarity

Familiarity of the location(s) and area(s) is important.  If you have visited the location before, and recently enough, —perhaps on vacation— you will already have a feel for the place, and possibly a sense about whether it might be suitable as a place to live, work or retire.  Some additional research to discover its year-round climate (not just the seasons you have experienced there) and how it compares to your lifestyle intentions and requirements, will help you to determine whether any places already familiar to you in Mexico might be potential options for a location to live.

Environment type

Having established whether you want to live in an urban, semi-urban, or a rural location, you can further refine your options and filter your list on that basis.

Coastal plain or colonial highland

If you have decided that you want to be on or near the coast, or living inland at elevation, then that will provide another filter to narrow your choices; if you are open to coast or inland (highland) living, then your ultimate choice is likely to be determined by other factors —for examples, the availability of local services and amenities, and community connections— instead of climate.

Health, amenities, accessibility, communications, and schools

Other key factors you ought to consider include local access to health and clinical services, (especially if you have an existing medical condition and may require urgent assistance); access to local amenities that are important to you, e.g., stores, gyms, leisure or local community facilities, art and culture centers; proximity to transport hubs if you intend to travel a lot (e.g., airport); access to reliable telephony and internet services, especially if you intend to work professionally from home; and the availability of educational establishments if you have school-age children.  Our article about matching your location with your needs describes these things in detail.

Exploring places to live in Mexico

Our series about places to live and work or retire provides a list of key locations to discover and consider.

The references below offer further connections to helpful and insightful articles and guides that can help you to carefully consider significant matters as you discover and explore places to live in Mexico, consider key decision-making factors and, using that knowledge, compile a shortlist of locations for review.

Further research and resources

Mexperience offers you a comprehensive online resource of information and local knowledge to help you discover Mexico, explore choices, find opportunities and plan a new life in Mexico.  Resources include:

The post Influencing Factors as You Choose a Place to Live in Mexico first appeared on Mexperience.]]>
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Explore Lifestyle Choices on the Shores of Lake Chapala https://www.mexperience.com/explore-lifestyle-choices-on-the-shores-of-lake-chapala/ Sat, 03 Aug 2024 19:01:25 +0000 https://www.mexperience.com/?p=49945---42a89b02-d719-47d1-b658-e36334829ebc Discover lifestyle opportunities in Lake Chapala in 2024—programs are available online and Lakeside in Ajijic. Learn more and reserve your space

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Attend a 6-day program hosted at Lake Chapala, or join a program hosted online.

Learn about the prospects and opportunities offered by a new lifestyle lived and enjoyed on the shores of Lake Chapala, Mexico’s largest lake, situated in the mountains about an hour’s drive from Guadalajara and a six-hour drive northwest of Mexico City.

Upcoming programs

The next program hosted Lakeside is taking place between February 25th and March 1st, 2024.

The next online program is taking place between January 16th and February 13th, 2024 (twice weekly meetings over 5 weeks).

Invaluable program that shares essential insights into lifestyles around Lake Chapala

The program is organized and run by Focus on Mexico who, for two decades, has offered structured learning programs, seminars, and guidance for people who are seriously considering a move to Lake Chapala in Mexico, and want to get detailed insights about the prospects, opportunities, as well as the realities of living here.

Dates are open for 6-day events at Lake Chapala, as well as Online Programs which feature twice-weekly online meetings over a four week period.

Program dates for 2024

Focus on Mexico runs programs in Ajijic, on the shores of Lake Chapala, as well as online programs.  These are the current program dates:

  • NEXT ONLINE PROGRAM: The next online program is taking place between between January 16th and February 13th, 2024 (twice weekly meetings over 5 weeks).
  • HOSTED AT LAKE CHAPALA: The spring 2024 program will be held at the Lake Chapala Society in Ajijic between February 25th and March 1, 2024.

The programs, whether you attend in person or online, offer a fully guided, hands-on experience that will give you a detailed insights into “life at Lakeside” to help you determine if this area is right for your life situation, whether you’re single, a couple, or a family thinking about a move here.

Get current information that’s relevant and concise

Whether you attend a program hosted online or hosted at Lake Chapala, each program is carefully designed and customized for people thinking about moving or retiring to the Lake Chapala area, and the program material also provides essential knowledge as you make your transition, regardless of where in Mexico you eventually decide to live.

The program is carefully structured into logical steps, organized into three key stages:

  • local knowledge and insights that help you to assess the area and lifestyle and decide whether Lake Chapala and environs is right for you;
  • learning about the choices and practicalities of creating a new lifestyle in Mexico; and
  • practical advice about the move itself, sharing essential things you need to know as you physically move to Mexico and settle-in here.

What’s included in program hosted at Lake Chapala?

Next lakeside program

The next program at Lake Chapala will place between February 25th and March 1, 2024.

Lake Chapala is one of the easiest places to get to in Mexico, via Guadalajara’s international airport, situated about 40 minutes’ drive from the lakeside towns.  Many participants choose to arrive earlier and/or stay on longer to explore the area on their own.

Your program begins with a Welcome Cocktail evening reception (including snacks and drinks) and registration at the Lake Chapala Society restaurant—a delightful and fresh open-air dining and meeting venue surrounded by lush vegetation. It’s an ideal opportunity to meet your program leaders and fellow participants amidst a relaxed and social atmosphere.

Comprehensive resource materials are provided, including a Workbook, Topic Handouts, and ‘Moving your Stuff’ to Mexico Instruction Book.

First-hand knowledge presentations by local experts: The week will be filled with interesting talks and seminars given by experts in their fields. Contact information for Expert Speakers will be provided, along with a growing list of recommended local providers, whose talks will give you insights into:

  • health care, hospitals/doctors/health insurance options in the area;
  • living lakeside lifestyles, safety/crime, legal;
  • cost of living, U.S. taxes, Canadian non-residency, currency exchange;
  • Mexican economy, investing in Mexico, immigration visas, doing business in Mexico;
  • moving to Mexico, bringing pets;
  • real estate, home financing, title insurance, renting or buying;
  • keeping foreign plated vehicles, buying a car locally… and more.

Next steps and FAQs including a special session that helps you to determine “what do I do next?”, the creation of an Action Plan, and “how to” guides for when you are ready to make the move.

An invaluable personal experience

This 6-day program at Lake Chapala is an ideal opportunity to meet and talk to like-minded people, get first-hand insights about living and lifestyles in and around Lake Chapala, and gain valuable insights that can help you to make considered choices about a move to Mexico.

The program hosted at Lake Chapala is carefully structured to help you get the most from this type of gathering, including:

  • coffee breaks, and private time for individual viewings and/or appointments;
  • two Area and Housing Tour excursions; two lunches and two dinners are included in the program price with these excursions. (Additional optional outings available a-la-carte on advance request);
  • activities info sheet including recommended restaurants and entertainment venue options;
  • optional Focus ‘a-la-carte’ services for more detailed information on specific areas of interest, for example, getting a Mexican driver’s license, applying for the senior citizen discount card;
  • access to a private Facebook Group of ‘Focus Alumni’ and the Focus Team to capture memories, continue the conversation, share photos, experiences, and advice.

Your week’s program at Lake Chapala will be rounded-off with a farewell Mexican Fiesta party at the home of a Focus alumnus, including evening dinner and drinks.

Pricing for Program hosted at Lake Chapala

This carefully designed and comprehensively structured program is offered for US$790 per person, or US$1,380 for a couple.

  • A US$100 deposit will be taken in advance to secure your place on the program, with the balance due about a month before the program start date.
  • A list of recommended accommodations will be sent to participants that offer comfortable lodgings within walking distance of the Lake Chapala Society.
  • Optional “Focus ‘a-la-carte’ services” are quoted and paid for separately, in addition to the program fee.

Reserve your space by completing the form below.

What’s included in the Online Program?

The Online Program all of the same essential move-to-Mexico topics and benefits of the programs hosted at Lake Chapala, (see next section) with the exception of the local social and touring events.

Next online program

The next online program is taking place between January 16th and February 13th, 2024 (twice weekly meetings over 5 weeks).

The Online Program is presented over 5 weeks

The live online sessions are recorded and you’ll be given special access to these for post-event review, or in case you miss the live event online.

Join the Online Program for:

  • One-on-one pre-program interview
  • Live twice-weekly trainings you can attend in the convenience and comfort of your own home
  • Live online Q&A sessions so you can get experts to address matters of specific concern to you
  • Written guides and Cheat Sheets on key topics to support your learning throughout the online program
  • Access to the Members-only Facebook group where you can meet like-minded people and share knowledge and experience
  • One-on-one RoadMap implementation session with the leader of the program
  • One-on-one post-program Action Plan review
  • In addition to having access to the recorded program in 2023, you’ll also get full access to the the online program recorded in 2021 if you want to research further
  • Money-back guarantee offered by the program organizer

Online Program pricing

Online program price: US$490, and the organizer offers a 100% no questions asked money-back guarantee if you did not find value in excess of the program cost.

Reserve your space by completing the form below.

Request further information and booking

Complete the request form below and the organizers of this program will contact you with further details, including information about how to reserve your place(s).

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The post Explore Lifestyle Choices on the Shores of Lake Chapala first appeared on Mexperience.]]>
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What Influences How Long Foreign Residents Stay in Mexico? https://www.mexperience.com/what-influences-how-long-foreign-residents-stay-in-mexico/ Fri, 02 Aug 2024 21:03:44 +0000 https://www.mexperience.com/?p=56848_7680fd10-8c61-4e78-a24d-187f650ce083 Some people spend short stints in Mexico and others commit with long term plans. Learn about what influences these choices and consider your own intentions

The post What Influences How Long Foreign Residents Stay in Mexico? first appeared on Mexperience.]]>
The length of time that foreign residents choose to spend in Mexico each year varies, depending on their life’s situations and their lifestyle intentions.

This article explores typical profile patterns of foreign residents who come to Mexico to live and work or retire, and also describes the key considerations which influence people’s level of commitment when they come to live here.

Foreign residents’ commitment levels vary

While everyone’s situation has unique aspects, people who come to Mexico to live and work or retire tend to fall into one of these profile patterns—and reviewing these can help you to consider what level of commitment you might have.

Full-time residents, fully committed to Mexico

Foreign residents who are fully committed arrive to live and work or and/or retire full-time and settle permanently in Mexico.  They usually sell their home abroad and move all their personal goods to Mexico.

They might already own a home in Mexico, or will purchase a home, perhaps renting somewhere for a time while they scout for and find the property they want to buy.

Some people might commit to Mexico this way and rent a home instead of buying; for example, if they have sufficient income to rent, but insufficient capital to buy—or if they prefer the flexibility that renting a house offers.

These types of retirees tend to visit family and friends in their home country at least once a year; and family and friends may also come to Mexico to visit them.

Our article about considering choices for accommodations in Mexico shares further insight about whether to buy or rent in Mexico.

Full-time residents, partly committed to Mexico

Foreign residents who are partly committed arrive to live and work and/or retire full-time in Mexico, but tend to keep their home and other significant assets abroad.  They either rent long term or buy a home here if they don’t own a home in Mexico already.

They will likely make regular annual trips back to their home country, perhaps at certain times or seasons of the year, to be with family and friends they have outside of Mexico.

Part-time residents, living in Mexico for defined periods

Foreign residents who arrive to live and work and/or retire in Mexico part-time, for defined periods are not fully committed to Mexico and tend to hold considerable assets and perhaps work and family commitments abroad.

When and how long these types of foreign residents stay in Mexico varies, and dates and seasons might depend on individuals’ own circumstances and commitments they have ongoing here, and elsewhere.

Foreign residents who overwinter in Mexico are commonly termed as “snowbirds”—who typically arrive in November and leave in April or May of the following year.  They might own or buy a home in Mexico, or they might rent a house here—and they’ll probably keep a home abroad.

Frequent shuttling or short stints in Mexico

Some foreign residents, especially (but not exclusively) those who live near the southern US border, might shuttle frequently between a home in the US and their home in Mexico.

Others might live most of their time in their home country (or another country) and live in Mexico for a short stint or stints: either for a single, defined period during the year, or through several shorter periods in weeks or months peppered throughout the year.

These types of residents will almost certainly own a home in Mexico, although some might have long term rental arrangements in place.

In years past, foreigners who arrived in Mexico to live this way would not bother getting a residency permit and stay in Mexico using a visitor permit instead.  However, with changes to the way foreign visitors are admitted, it’s prudent to apply for a residency permit in Mexico.

Considerations that tend to influence commitment levels

How long you spend living in Mexico, and how much commitment you make to cultivating a life and lifestyle here, will depend on many things and is ultimately  determined when you define your intentions for moving to Mexico to live and work or retire.

This section describes key considerations that tend to influence people’s decision-making.  Contemplating these these as you make your own deliberations can be helpful as you think about your move to Mexico, or making changes to your current arrangements if you already live here.

Your social and family ties

The choice about whether to live in Mexico full-time or part-time is oftentimes influenced primarily by people’s social and family ties back home.

If you have strong friendships, children and grandchildren that you are close to and want to see them more often than through occasional visits, then you might choose to make Mexico a part-time living place.

Most people who live in Mexico part-time choose to live here during the months of the year when the climate is least agreeable in their home country—and for most that’s the late fall and winter months in the northern hemisphere, when foreign residents arrive to overwinter in Mexico.

Attachment to your home country

Another key influencing factor is how attached you (and your partner and family as relevant) feel to your home country.

For example, some people find the notion of selling the family home —where children were raised, and lifetime memories were engrained— difficult. It’s easier for some people to let go, and more difficult for others.

As you contemplate this, consider your partner’s feelings about the matter; as we noted in a related article about setting out your intentions for moving to Mexico, moving abroad when a one partner is enthusiastic and committed and the other is lukewarm or unpersuaded can break relationships—even long-standing ones.

The distance between Mexico and your home country

Consider how long it takes you to travel between Mexico and you home country.

If your home in Mexico is close to the US-Mexico border and your other home is in the southern US, this might be relatively inconsequential.

Conversely, if your home country is Europe or Japan, your travel time between the two countries will be substantial.

Most Americans and Canadians that fly home will have to travel for between 6-12 hours to get to/from Mexico, door-to-door.  Most Europeans will need to travel for between 24-30 hours to shuttle between Mexico and their home country, door-to-door.

Aside from the time, effort and financial resources you’ll need to expend to travel between Mexico and your home country (especially if you continue to have significant ties to your homeland), there is also a psychological aspect to take into consideration that’s also related to your commitment level (see first section, above).

If you’re only living in Mexico part time and your home country is far away and you have significant commitments and attachments there, this is likely to eventually take a toll on you even if you are able to fund the continual traveling.

Logistics, financial resources, and personal energy

Persistent traveling may become more burdensome for some as they grow older.

Living part-time in Mexico and part-time elsewhere every year requires you to manage at least two sets of homes, two lifestyles, and two ‘lifestyle structures.’

The logistics become even more complex if you must rent out one house or the other as part of your income needs.

Shuttling between two countries requires considerably more financial resources and moreover it demands time and energy from you personally every time you shuttle.

Consider the impact this will have on your finances longer term and, more importantly, on your body and well-being: as we grow older, constant moving becomes less attractive, and ultimately less viable.

Offspring’s perceptions and concerns

People who come to to live, and especially those who come to retire, often have grown children (and grandchildren) living in their country of origin, or in a country other than Mexico.

Most adult children concern for their parents as they age, and if you choose to live in Mexico, it’s sensible to share those intentions with any children you have and express to them how long and what level of commitment you might make to Mexico in the longer term.

Some children might be quite comfortable with the notion of their parents living or retiring abroad in Mexico; others might see it as fancy experiment that will be short-lived, while others might express worry or fears—especially if the parents are ‘selling-up’ and moving to Mexico full time.  These personal family connections can become significant influencers in the decision-making.

If you intend to commit to Mexico long-term and make Mexico your ‘primary home’ then be sure to communicate this intention with your close family; and consider the longer-term impact, including estate planning and, related to that, senior care services and end-of-life planning.

Some people retire in Mexico with the intention of living out the remainder of their lives here and if you become unable to make decisions it’s helpful to have a (legally-binding) plan in place that may prevent others from acting against your wishes and moreover facilitate the implementation of yours and your partner’s wishes.  Hire a Notary Public in Mexico to talk about living wills, or consult with a professional financial advisor or attorney.

Further research and resources

Mexperience offers you a comprehensive online resource of information and local knowledge to help you discover Mexico, explore choices, find opportunities and plan a new life in Mexico.

The post What Influences How Long Foreign Residents Stay in Mexico? first appeared on Mexperience.]]>
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Is Your U.S. Medicare Coverage Available in Mexico? https://www.mexperience.com/is-u-s-medicare-available-in-mexico/ Fri, 02 Aug 2024 20:50:48 +0000 https://www.mexperience.com/?p=26015---e6a2326a-7c09-4278-a336-ca6fa8790500 Americans contemplating a move to Mexico often ask whether Medicare is valid here. The simple answer is no, but there are some caveats, and alternatives

The post Is Your U.S. Medicare Coverage Available in Mexico? first appeared on Mexperience.]]>
A frequently asked question by Americans contemplating a move to Mexico is whether their Medicare coverage is valid here.  The simple answer is no, but there are some caveats.

Who is eligible for Medicare

Medicare is only available to legal residents of the USA who are of a certain age (or with specific medical situations).  Here are some helpful links for further research; we also recommend you talk to your insurance broker or healthcare providers about your individual situation.

Access to Medicare outside of the USA

Outside of the 50 States and the District of Columbia, Medicare is only available in Puerto Rico, the U.S. Virgin Islands, Guam, the Northern Mariana Islands, and American Samoa.

Medicare may pay for specific types of medical care in a foreign country if a foreign hospital is closer to the nearest U.S. hospital should a medical emergency arise while you’re in the U.S., or traveling through Canada between the continental U.S. and Alaska; or if you live in the U.S. and the foreign hospital is closer to your home than the nearest U.S. hospital that can treat your medical condition.

If you’re traveling on a ship, Medicare might pay for medically-necessary services provided the vessel is not more than 6 hours away from a U.S. port.

In all cases, Medicare drug plans don’t cover prescription drugs you may buy outside the U.S.

You can get full details about the policies and coverage here on the U.S. Medicare official website.

Alternatives to Medicare when you’re in Mexico

When you’re planning to live in Mexico and need to consider health insurance coverages, there are several options you can consider.

Mexico’s IMSS coverage

As an alternative to Medicare, some foreign residents in Mexico opt to take Mexico’s government-sponsored IMSS health coverage under an insurance program that charges based on age-brackets; typically between US$50-$70 per month for someone of retirement age.  Conditions and exclusions apply, and you must be a legal resident of Mexico to avail yourself of this coverage.

Private medical insurance

Private medical insurance is widely available in Mexico, with policies priced depending on the coverages you seek, your age, health, and medical history.

Medical evacuation insurance

If you’re only in Mexico for short periods, and you have coverages which give your healthcare options in your home country, you might consider a medical evacuation insurance plan to help you get back home in the event of medical emergency.

Discover options for healthcare coverages in Mexico

For details and descriptions of the various healthcare coverages available to foreign residents, read our article about Health and Medical Insurance Options for Mexico that includes options for short visits, extended stays, and long-term residency.

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How to Determine if Mexico is Right for Your Retirement https://www.mexperience.com/how-to-determine-if-mexico-is-right-for-your-retirement/ Thu, 01 Aug 2024 21:01:58 +0000 https://www.mexperience.com/?p=56765_2f64e81d-5393-4c0b-8674-cb70754cd376 ‘Retirement’ is not an activity, but moreover a lifestyle concept that exists in many forms and which can manifest in lots of different of ways

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To determine whether Mexico is ‘right for your retirement’ you need to first determine whether Mexico is right for you.

Before you can assess whether Mexico is right for you and your situation, the matters concerning:

  • your approach to retirement in Mexico;
  • defining your intentions to move here; as well as
  • factors that may influence your choice of location; then
  • taking the time to settle-in properly to Mexico; and
  • finding balance in your day-to-day lifestyle in Mexico…

…are entirely relevant to potential retirees as well as anyone else considering a move to Mexico—see the links in the box titled Further Insights below for more details and articles on these topics.

In essence: If Mexico as a country to live in is right for you (and your partner, and family where relevant), then it’s highly likely that Mexico will suit you for retirement, and that you will be able to cultivate a healthy, wholesome, and fruitful retirement lifestyle here.

Conversely: However attractive or suitable Mexico might appear to you in terms of its climate and environment, amenities, services, and cost of living, if you (and/or those close to you) cannot adapt to Mexico —and create a retirement lifestyle here on Mexico’s terms— then you are unlikely to find contentment in retirement by being here.

Mexico offers an ample variety of places and benefits that can be especially attractive to retirees the resources for retirement in Mexico here on Mexperience help you to consider practical matters and compromises that future or budding retirees may have to consider as part of their deliberations and planning for a retirement lifestyle in Mexico.

Further research and resources

Mexperience offers you a comprehensive online resource of information and local knowledge to help you discover Mexico, explore choices, find opportunities and plan a new life in Mexico.

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Senior Care Support in Puerto Vallarta, Mexico https://www.mexperience.com/senior-care-provision-assistance-in-puerto-vallarta/ Thu, 01 Aug 2024 17:05:43 +0000 https://www.mexperience.com/?p=46118---e5a51a5e-e546-47ca-83aa-1110229c923f Puerto Vallarta offers ample choices for senior care in Mexico and a consultation with our associate enables you to consider options and make informed decisions

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When you’re seeking advice and guidance about the potential opportunities and practical realities related to the provision of senior care in Mexico, Samantha Elliott, an experienced social care professional based in Puerto Vallarta, can help.

A consultancy with Samantha will provide you with guidance and concise recommendations about what to expect from senior care support services on offer in Puerto Vallarta—whether you’re planning ahead and considering choices for yourself (or you and your partner) or want to learn more about senior care provision services for someone else close to you.

Consult with an experienced senior care professional

Samantha is fully bilingual and has over 25 years of professional experience on matters related to social care across a wide spectrum of client groups in both public and private organizations.  She has lived in Puerto Vallarta for over 10 years and specializes in attending to the needs of people seeking senior care services there.

Her consultancy offers in-depth knowledge about senior care services on offer in Puerto Vallarta, including recommendations about in-home care services vs local residential homes, through direct experience of working with elder care centers in the Vallarta area.

Working with individuals and families of those preparing for their retirement or changes in their lifestyle or health situations, her areas of expertise include:

  • senior care planning and management in private residences;
  • bilingual advocate services for those navigating doctors, finances, and end-of-life planning in Puerto Vallarta; and
  • providing personalized consultancy to individuals, families, hospitals, and assisted living centers.

Get experienced advice, local insight, and concise recommendations

Samantha’s consultancy service offers local knowledge and clear, concise recommendations about how to plan ahead, prepare for, and explore the availability of senior care services available in Puerto Vallarta.

When you’re seeking choices for senior care provision in the Puerto Vallarta area, Samantha can help you to discover and explore the options available:

When you’re planning for retirement or changes in your lifestyle in Mexico:

  • Undertaking an Initial Assessment to determine your current situation.
  • Advice about key matters you need to take into careful consideration.
  • Guidance about realistic choices on offer in Puerto Vallarta and available service options.

When you need to talk about plans for someone close to you

  • Personal consultation to discuss your situation and how you may source the help you need.
  • Practical matters you need to consider as someone ages and external assistance is required.
  • How to meet needs and provide support whilst respecting autonomy.
  • Potential service options and practical tips on exploring potential care homes in Puerto Vallarta.

Consultancy that flexes with your needs

Samantha offers a FREE initial 15-minute conversation to talk about your situation and to determine if the consultation service is right for your needs.

Personalized consultancy is offered at US$85 per hour, with a 1-hour minimum, and time billed precisely as used after the first hour.  Samantha keeps a detailed log of the support time provided to you.

How the consulting service supports you

The service is designed to provide you with a personalized consultation that focuses on your specific circumstances and needs and provides you with a post-consultation written brief. Typically, the consultation follows this path:

Free 15-minute conversation

Samantha offers a FREE 15-minute conversation to discuss your situation and to determine if the consultancy service is right for your needs.

Your personalized consultation

If you decide to proceed with a formal consultation, Samantha will send you a payment link for the first hour of consultancy and schedule your first formal consultation call (by telephone, Zoom, or Skype, as you prefer) at a mutually convenient date and time. If your situation is urgent, a priority consultation may be accommodated, but please only request this if the need is genuinely urgent.

Gathering key information

The personal consultation will be carefully structured to talk about your current situation and future plans, answer any specific questions you have, and identify the key matters and issues related to senior care within your individual circumstances.

Guidance to help you make informed choices

The initial assessment enables Samantha to offer concise recommendations about senior care service provision in Puerto Vallarta, including how the services work, what to expect, with insights to help you interact positively and creatively with the services available.

Post-consultation

After the call, Samantha will compose a written brief of the initial assessment and her comments and recommendations. She’ll send these to you by email so that you (and your family) can use this to plan and make some informed choices; the brief also serves as a helpful reference if you need to share key information with other professionals and caregivers.

Follow-up call

After you’ve had an opportunity to read the post-consultation brief, you can optionally schedule a follow-up call with Samantha to talk through the details and answer any further questions you may have.

Questions before you request the service?

If you have a question about how the senior care provision service works before you make the request, please contact us.

Make a service request now

To proceed with a service request, please complete the request form below.

Samantha will contact you personally to organize your FREE 15 minute call, with the option to proceed with a formal consultation afterward.

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