Ten Things to Think About When Retiring To Cuba - Expat Focus (2024)

When thinking about retirement destinations, Cuba isn’t often at the top of the list. With wonderful Caribbean weather, a good healthcare system, and an irresistible old-world charm, Cuba is an attractive retirement option. However, because of its chequered history with the United States of America, Cuba is a self-contained country and it is difficult to move there. Things have improved since early 2015 when both countries announced the resuming of diplomatic relations, and it is likely that things may change substantially, but only in time.If you are determined to make this country your home, here is a list of ten things you must consider before moving to Cuba for your retirement years.

Getting a visa

This is perhaps the primary difficulty for people wanting to retire in Cuba. Visas for Cuba are usually given out on a short-term basis and are meant for short stays. The only way to obtain a resident visa is for to marry a Cuban national. However, the Cuban government also gives out ‘snowbirds’ visas, which allow you to stay in the country for up to six months at a time and can easily be extended. These are particularly useful for retirees.

Health care

Cuba has a public health system only, and there are no private hospitals. Though the government makes only modest investments in health infrastructure, they have a good public health strategy in place, which ensures that citizens enjoy the same health status as people in developed nations.

Infrastructure

Most of the infrastructure in Cuba is currently in need of an overhaul. The roads, whether for public use or at the airports in Cuba, have not been re-paved in many years. The technological infrastructure in Cuba is very weak – most people are still using dial-up internet with extremely limited bandwidths. Wi-Fi is available in only a few hotels in Havana, and can be incredibly expensive.

Climate

Cuba enjoys a semi-tropical climate, and there is sunshine for more than 95% of the year. The average temperature in Havana tends to be around the 25 degree Celsius mark. Coastal areas are better to live in because of the sea breezes. Cuba also has a rainy season that begins in May and ends in October.

Economy

The economy is controlled and run by the government, but since Raul Castro has taken over, the government has loosened its hold on it. However, if you want to set up a small business of any kind, you will not be able to, since it is prohibited by the government. If you are looking for a sports bar or a pub run by your compatriots, you are unlikely to find one.

Entertainment and Amenities

Unlike other popular places to retire to, Cuba has a limited choice of malls, department stores, and entertainment complexes. Also, English language bookstores are very few, so your choice of reading material is severely limited.

Fitting In

Having a fluent grasp of Spanish will greatly enhance your experience in Cuba. This is not restricted to daily life but even for leisure and entertainment. This is true as far as almost any local cultural activities (which are all in Spanish) are concerned. In addition, Cuban people and culture, while being open and friendly, have their own boundaries, and even if you have been there a long time, the odds are that you will still be treated like a tourist.

Cost of Living

If you need to fly back to your home country even once a year, ensure that the tickets between Cuba and there don’t break the bank. The cost of living in Cuba isn’t low, and unlike countries in South-East Asia and South America, you will often end up spending as much as you would have at home.

Special Benefits

Most countries around the world offer special benefits to retirees to entice them to move there. You will need to find out if you will be able to get discounts not only on government services but also other services such as cinema tickets and so on.

Real Estate

Foreigners still can’t buy real estate in Cuba, so you will not be able to own property. Most expats live in “casa particulares” or home stay arrangements. Depending on the kind of accommodation you are looking at, this can be rather expensive. Others live in property owned by a Cuban spouse or relative, but this can have its own risks and complications.

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References: [1], [2], [3], [4], [5], [6], [7]

Ten Things to Think About When Retiring To Cuba - Expat Focus (2024)

FAQs

Ten Things to Think About When Retiring To Cuba - Expat Focus? ›

Living in Cuba as a Foreigner

As with any other country, there are pros and cons to living in Cuba. If you decide to live in Cuba, you will enjoy the warmth of the people, the happy and vibrant lifestyle, the agreeable climate, and an inviting, intense, and colorful culture.

Is Cuba good for expats? ›

Living in Cuba as a Foreigner

As with any other country, there are pros and cons to living in Cuba. If you decide to live in Cuba, you will enjoy the warmth of the people, the happy and vibrant lifestyle, the agreeable climate, and an inviting, intense, and colorful culture.

How much money do you need to retire in Cuba? ›

As non-residents can't make money in Cuba, they must prove they have the funds to live. For an expat in retirement, this could range from $750 to $1500 US depending on where you go in Cuba. Havana is the most expensive area, but smaller towns and cities are far cheaper.

Where do expats live in Cuba? ›

Havana is Cuba's capital, located in the northwest of the island at the Gulf of Mexico. With just over 2.14 million inhabitants, it is also the largest city, not only in the country but also in the Caribbean. Havana, also known as the “Gateway to the Gulf of Mexico”, attracts expats and tourists alike.

What is the average retirement age in Cuba? ›

The mean life expectancy in Cuba of 78.89 is remarkable. This is almost equal to the life expectancy of 78.93 in the US (Source: United Nations, 2020). According to Cuba's pension system, the retirement age is 60 years for women and 65 years for men.

Are Cubans friendly to Americans? ›

The Cuban people generally love meeting American visitors

They tend not to judge visitors by the actions of the federal government in the U.S. Instead, they are conversant and curious about American culture and their ties to family in the US.

Are there American expats in Cuba? ›

Americans in Cuba (Spanish: Estadounidenses en Cuba) consist of expatriates and immigrants from the United States as well as Cubans of American descent.

Can you collect Social Security in Cuba? ›

If you are a U.S. citizen residing in Cuba or North Korea, you can get all the payments we withheld once you move to a country where we can send payments. Under the Social Security Act, if you are not a U.S. citizen, you cannot receive payments for the months you lived in Cuba or North Korea.

What is the average monthly salary in Cuba in US dollars? ›

Mean wage of households in Cuba 2022

During a 2022 survey, around 55 percent of the Cuban population had a monthly income lower than 234 USD and only 15 percent had an income higher than 334 USD. During that same survey, 51 percent of the respondents stated that they struggle to buy the necessary means to survive.

Can you live in Cuba as a US citizen? ›

To move to Cuba, you must obtain a long-term Cuba visa or temporary residence visa. The type of visa you choose depends on the purpose of your relocation and how long you will stay in Cuba. The most common long-term visas are work, family, and study visas.

In what US state do most Cuban Americans live? ›

Nearly 70% of all Cuban Americans live in Florida.

Does Cuba have free healthcare? ›

The Cuban government operates a national health system and assumes fiscal and administrative responsibility for the health care of all its citizens. All healthcare in Cuba is free to Cuban residents. There are no private hospitals or clinics as all health services are government-run.

Do Americans retire in Cuba? ›

And now, in 2018, Americans are beginning to live and retire to Cuba. Cuba might not be the first thing that you think about when you are choosing a place to retire to, but it is “the” budget destination. Cuba offers everything that an American retiree is looking for.

Is it better to take Social Security at 62 or 67? ›

If you start taking Social Security at age 62, rather than waiting until your full retirement age (FRA), you can expect a 30% reduction in monthly benefits with lesser reductions as you approach FRA. Remember, FRA is no longer age 65: It's 67. (See your full retirement ageOpens in a new window.)

How old is the drinking age in Cuba? ›

Although there are rarely any guards strictly asking for your ID when heading for the bar in Cuba, the legal drinking age is set to 16 years of age – for Cubans and foreigners alike.

How much does it cost to live comfortably in Cuba? ›

If you're getting the real exchange rate and aren't overpaying for goods and services Cuba is relatively inexpensive. Excluding rent (Airbnb) which is comparable to Buenos Aires in Argentina, I could live very comfortably in Havana for around $25-$50USD per day.

How long can foreigners stay in Cuba? ›

Tourist Card for Cuba

The Tourist Card allows entry to Cuba exclusively for the purposes of tourism and leisure. It is valid for 180 days and allows the visitor a single entry to Cuba within this time. Most travelers with a Tourist Card can stay in Cuba for a maximum of 30 days.

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