How To Bring Your Pet To Panama

July 27, 2013

Many people couldn't imagine life - esp. starting a new life - without their dog, cat, or other animal friend.

You can bring your pet to Panama.  

It isn't hard, but the process can be daunting at times.

There are many regulations and organizations involved in the transport process.

In spite of this, with patience, it can be fairly easy to accomplish.

Each entity in the pet relocation process has its own rules

  • International Air Transport Association (IATA)
  • Each Airline
  • Panama Government
  • Government Of Origin

IATA Has A Helpful List

The International Air Transport Association (IATA) is the trade association for the world’s airlines, representing about 80% of the world's airlines.  Their site is helpful.

It provides a list of items to consider when transporting a pet including, airline regulations, government regulations, and the pet itself.   For those IATA guidelines, click here.

Size & Number of Pets Makes a Difference

If you are transporting only one animal — especially if it can travel in the cabin under the seat — you shouldn’t have a lot of difficulty bringing your pet with you to Panama.

Of course, you still must do all the paperwork and your pet must be healthy.  However, the process will be pretty straightforward and not very expensive.

It can get more complicated when you have larger or multiple pets.

Panama Government Rules

The Government requires strict adherence to the rules.  

You must have the following:

  • Health Certificate dated no more than 10 days prior to arrival in Panama.
    • It must be signed by the Veterinarian on the right side and the USDA stamp with signature on the left side of the document (i.e, U.S. NASPHV form-51).  If you are not in the USA, get it stamped by the agricultural department of your country.  Just having the veterinarian sign it is not enough. 
    • It must then be taken or sent by courier to the nearest Panamanian consulate, embassy, or an Apostille certification agency for processing. It has to be authenticated by one of those agencies.  One more stamp for your scrapbook.

Vaccinations and their documentation

  • Up-to-date Rabies Vaccination (not required for puppies).
  • Your pet must have its Multi Vaccinations (DHLPIPV).
  • The record book of vaccinations must accompany your pet during transport

Panama Government Fees

  • MIDA import license fee is $16.00 for one pet and $10.00 for each additional pet.

Health Ministry "Home Quarantine" process costs $130.00 per pet.

  • This fee allows you to take your dog home with you, and not be quarantined at the airport.

Try To Arrive During Their Business Hours

Your pet's entry into Panama will only be processed Monday through Friday from 8 am to 10pm.

If your pet arrives outside of those times, or on a holiday, your pet will be kept in an airport kennel until the office opens again.

Airline Regulations

You must check with your airline.

They all have different rules. Some of which include:

  • Not allowing pets to travel in the cargo hold if the temperatures are above 85 degrees Fahrenheit. (This often means you, or your pet, take the red eye flight)
  • Every airline will require you to purchase your own crate/container for your pet.  However, depending upon the airline, the size restrictions for each crate can vary.
  • Number of animals allowed to share a crate vary.  At one time, the IATA required that there be only one animal per crate. But when I visited their site today, it seemed they had relaxed that rule for smaller animals.

Preparing Your Pet

Allow your pet to spend time in its travel crate before your trip.  Travel is stressful for animals.  Getting familiar with its new crate is important.  You may want to put  a worn T-shirt, or other item, that has your scent on it in the crate with your animal.  Unless advised otherwise by your vet, you should not sedate your animal.  This is to avoid any unexpected health complications.

30 Day Home Quarantine

Upon leaving the airport, your animal is officially in home quarantine for 30 days.  This means that your dog must stay with you at all times for the next 30 days. Sometime during the quarantine period, you will be contacted to ensure that your dog is still healthy.

Once the 30 days have passed, your dog is free from quarantine restrictions.

Taking Your Animal Out of Panama

My older daughter is always asking to bring our dog with us when we visit the States.  I have always said no because I fear it is a difficult task.  I have heard that you must visit 3 different Panama Ministries and get 3 separate stamps to get the dog out of Panama and into the U.S.A

However, I have not confirmed that process.  In a future post I will cover taking pets out of Panama.

FYI , for those of you simply visiting Panama for a short while (i.e., less than 31 days), you don't have to do get all those stamps to bring your pet back with you.

My Information Sources

We have never taken a pet to or from Panama.  I owe my knowledge to  a number of sources, including

  • Susanna Perkins of futureexpats.com
  • Goldenfrog.net.  They offer pet relocation services.  
  • Various embassy sites
  • IATA's website
  • Forums

Please comment below.

Find out how to ship your car to Panama here.

rectangle of blue sky & graphic of 2 palm trees with text about Panama quiz
Answer the questions below. Respond to all 12 to get your score.

Moving to Panama is a big decision.

Your biggest question is probably,

"Will I Be Happy In Panama?"

In this quiz, you will explore all the items you should consider before deciding if Panama is right for you.

Scroll down to begin the quiz

Will You Be Happy In Panama Quiz

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Step 1 of 13

Your Cost of Living in Panama*
pac-man icon with word budget, "eating" food, fun, etc

Can You Afford To Live In Panama?Panama can be incredibly affordable. But your personal cost of living will depend on both where you live and what you buy.

If you buy all the same brand names from back "home", then your cost of living will be significantly higher than if you shop more like a local.

And your location matters.

While Panama City is more affordable than some parts of the US, it is not an inexpensive place to live. In the same way, if you live in areas that have a big expat population, you are likely to spend more money.

About calculating your budget. If you receive a pension of some sort, it is much easier to figure out your monthly budget. It can be trickier to figure your monthly "retirement" income, if your plan is to sell everything and live on the proceeds. 

To help figure out if you can afford to live in Panama (or anywhere), use these calculators.

What Will Your Average Monthly Budget Be in Panama?
(Don't forget to include travel costs to visit back "home".)

Updated: Nov. 14, 2017

This Summer Prove To SSA You Are Alive - Or Else No More SSA Checks

"Reports of my death are greatly exaggerated", Mark Twain is quoted as saying.

To continue to get his royalty checks, Mark Twain had to prove to his publishers that he was still very much alive.

Similarly, to continue to get your SSA checks, you have to prove to Social Security that you are still alive.

And you need to do it every 2 years.

That is how often the US government requires a Proof-of-Life" response from every social security recipient.

Otherwise they will stop your Social Security payments.


FYI, the official name of  the "Proof-of-Life" requirement is the Foreign Enforcement Questionnaire.  


Acceptable Address Required

However, the US Government will only send you this vital Proof-of-Life request if you have an "Acceptable Address".

If you live overseas, what SSA considers an acceptable address is strictly defined.

What Is An Acceptable Address

If you live in Panama, you must provide SSA with your mailing address in Panama.  This is true even if your checks are direct deposited into a bank located in the US.

SSA's requirements for an acceptable address:

  • You must have a Panama address on file with SSA
  • You can use general delivery or a PO Box, but it must be in Panama.
  • You cannot use a forwarding service
  • You cannot use a friend or relative's address in the USA

Note:  These requirements are the same regardless of  the country you live in. You must provide SSA with your mailing address in that country.  In the example above, the country is Panama.

How To Correct Your Address

If you haven't provided SSA with an "acceptable address", you need to change your address.

Which means you need to fill out Form SSA-21.  Send Form SSA-21 and your passport to the Federal Benefits Unit (FBU) of the US Embassy in San Jose, Costa Rica.  For more information on changing your address, visit the US Embassy's Federal Benefits page.

The FBU will inform the SSA of your new Panama address.

You must do this if you want to receive your Proof of Life form/questionnaire.

SSA Check Suspension

You must return the questionnaire to SSA by December.  If you don't respond in time, your Social Security benefits will be suspended.

That is, you will not receive your Social Security check starting in February or March.

Don't worry.  Even if your checks are stopped, you will get all your SSA checks. Unfortunately, it may take some time to restart your checks and receive your back payments.

Go to the "Contact FBU" section below, to learn how to let the FBU know you didn't get your SSA check.


UPDATE: The US Embassy in Panama City no longer handles Social Security inquiries by US Citizens.

The Regional Federal Benefits Unit (FBU) of the US Embassy in San Jose, Costa Rica is now responsible for providing Federal Benefit services to US Citizens living in Caribbean, Central and South America countries.

Which means if you live in Panama, the Federal Benefits Unit of the US Embassy in San Jose, Costa Rica is your "go-to" place for questions about your Social Security benefits (as well as Veterans' benefits and more).

For more information on their services and how to contact them, please visit their webpage.  Tip: the best way to contact them is by e-mail:[email protected].

For comprehensive information on SSA’s services abroad, please visit SSA’s Service Around the World.


When To Expect Proof of Life Letter 

You will receive your Proof of Life questionnaire every other year.  The questionnaires are mailed out in May.

Which year you get it depends upon your social security number (SSN):

  • If your SSN ends in 00 - 49, you will get your letter in even years (2016, 2018, 2020...)
  • If your SSN ends in 50 - 99, you will get your letter in odd years (2017, 2019, 2021...).

If you are 90 years old or older, you will be sent a Proof of Life request every year.

Again, the SSA sends out the questionnaire in May. If SSA does not receive your completed questionnaire by September, it will send out a follow up letter in October.

You must return your proof of life form to SSA before the end of the year.

No Proof Of Life Letter?

If August comes and you still haven't received your Proof of Life questionnaire, you need to take action immediately.

You must contact the FBU (see below) ASAP.  Part of the mission of the FBU is to help US Citizens receive their SSA payments.

Contact FBU

The Federal Benefits Unit in San Jose operates on an appointment-only system.

To tell the FBU about your "lost" SSA check, schedule an appointment, or to ask questions, contact them via their online inquiry form.

They don't promise a speedy reply.

On their webpage they state, "We normally respond to e-mail inquiries within 15-working days."  By email inquiries, they mean inquiries made via their online inquiry form.

You can also send the FBU a letter or fax them. The FBU in San Jose, has both a Costa Rica and a USA mailing address.  To get those addresses and their fax number, go to their webpage here.

Although the FBU does not provide a phone number, you can call the US Embassy in San Jose, Costa Rica.  Their phone number is (506) 2519-2000.  (506 is the country code).

Worldwide US Social Security Benefits 

There is also an office to help US citizens living overseas or planning to live overseas with their SSA benefits.

It has a very dry and bewildering name: Office of Earnings & International Operations (OEIO).

You can visit OEIO's website here.


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Check out this post on whether expats need to pay into ObamaCare.

March 23, 2013

David Fair A Good Place To Look At Cows & Relax

The fair ends this Sunday night.   You should check it out if you are in the area.

The David Fair is a celebration of agriculture.

There are many many cows on display.

Awards are given for the largest cows and bulls.

Cattle is a symbol of wealth here in Panama.

With steady climb in cattle prices lately the owners of these cows are feeling very wealthy.

Not only are cattle prices increasing but the agricultural land that they graze on is also going up in price.   However, the price of cattle is not the main reason for the increase in agricultural land prices.

Palm Oil And Farm Land Prices

The quest for land for palm oil plantations is fueling the price increases. Many investors are looking to make money in the soaring palm oil trade, especially now that your trees can produce oil in 2 to 3 years instead of the former 7 years of the older and taller oil producing palm trees.

Back to the Fair and Horses

Horses and equestrian events are also popular at the fair.     It is a good place to be a cowboy.

Flowers, Vegetables, and Plants

There are not only displays of all the agriculture in Panama, but many vendors of all sorts of flowers and plants.  It is a good place to get a wide variety of plants for your yard and vegetable garden.

Crafts For Sale

The Fair is also a great place to visit for crafts of all sorts.  Panama is not a place overflowing with crafts.  However, you can find them at the fair.  Crafts, paintings, hammocks, hand made chairs, and more are for sale at the David fair.   In fact there are so many vendors this year that all the rides were consolidated across the street from the main fair.

Rides

Of course, a fair has to have rides.   That is the main reason  my children clamor to go to the fair.  There are also rides on ponies and cows for young children .  If you want to go on the rides, keep in mind that the rides don't start until late in the afternoon.

A Zoo of Sorts

There is also a place to view a wide variety of animals and birds, not just those that live in Panama.   The fair used to have 3 ostriches on display.  Those have "disappeared" in the last 2  years.   There are also lots of animals native to Panama on display like margays, and a variety of tropical birds.

Sunday is not really the last day

Technically the fair is over on Sunday night.  However, if you are looking to buy plants you can usually do so on Monday morning.

Music

Oh, there is also alot of music at the fair.  It is a party every night of its 10 day run.   We usually leave before the partying starts but for many that is when they arrive.

Admission

It costs $2 to attend on the weekends, $1 if you are retired    Admission is free if you are under 8 years old.

The David Fair is definitely worth a visit.

Are you looking for Panama real estate?  Click here to see our listings.

What Is The Deal WIth Panama's Pensionado Visa?

If you are considering a Panama retirement, you most likely have heard about the perks offered to retirees here.

In particular, there is a lot of glowing prose written about Panama's Pensionado Visa or Retirement program.

  • Is this program all it is cracked up to be?
  • Do you need a Pensionado visa to enjoy these perks?

In this post, I will delve into Panama's Pensionado Visa program

  • What Are The Perks?
  • Are They Guaranteed?
  • Is It Really As Great As The Hype?
  • Can I Qualify For Them?
  • What Will It Cost?
  • How Long Does It Take?
  • Do I Need The Visa To Enjoy The Same Perks ?

What Are The Perks of Panama's Pensionado Visa?

This retirement program offers many cost-saving benefits

  • 50% off entertainment costs
  • 30% off public transportation fares
  • 25% off airplane tickets
  • 30 to 50% off hotel stays (depending if it is a weekday or weekend)
  • 25% off at restaurants
  • 15% off at fast food restaurants
  • 15% off hospital bills
  • 10% off prescription medications
  • Phone, water, and electricity bills, dentist and doctor visits, and more can be discounted by varying amounts
  • 1-time exemption on the importation of household goods up to $10,000 and an exemption from duties on the importation or local purchase of a car.

Is It Guaranteed Not To Go Away?

Panama guarantees your Pensionado status.  

Panama has pledged to grandfather in the rights of Pensionado residents.  This means that even if Panama changes its laws regarding the Pensionado visa in the future, your status will never change!

In other countries, new laws have affected the status and perks of long-time ex-pat retirees.

It is obvious that Panama wants retirees to choose to live here.  The country even makes it easy to bring your pet to live with you.

Does It Live Up To The Hype?

Yes, the benefits are good, but...

It may not be as wonderful as the over-the-top enthusiastic reviews of the program make it seem.

The list of cost-saving discounts above is not as rose-colored as it sounds.

  • The 25% discount on airplane ticket doesn't apply to all ticket categories.  So in reality, a retiree can usually buy a ticket cheaper than the discounted higher price ticket they qualify for.
  • Not all hotels and restaurants are eager to give you a discount, especially the smaller establishments.
  • Often you must specifically ask for your Pensionado discount at restaurants, hotels, etc...  However, not everyone is comfortable asking for a discount.

It is a wonderful program, don't get me wrong.

For instance, pensionados here in Puerto Armuelles only pay $3.89 a month for water.  Granted, without a discount your water bill is only $7.10 a month.  But still, it all adds up.

I simply want to inject a dose of reality into the wonders of Panama's retirement discussion.

Do I Qualify?

You don't need to be over 55 or 65 to qualify.

There is no minimum or maximum age.

Pensionado Qualifications

  •  $750 or $1,000 monthly pension of some kind (It can even be an annuity from an insurance or private company)
    • $750 a month -  Is all you need, if you own property in your personal name.  The property must be at least $100,000 in value.
    • $1000 a month is your required monthly pension amount if you don't own property of the minimal value.
    • The pension amount can be what you receive or you and your spouse's combined pension income
  • You need an additional $250 more a month in pension income for each dependent in your household.
    • Alternatively, you can meet this qualification with a letter from a Panama bank stating you earn at least $250 a month in interest from your deposits with them.
    • Note:  dependents must be no more than 18 years of age or be a full-time student and under 25 years of age.  

How Long Does It Take?   How Much Does It Cost?

It normally takes 6 months to get the fully approved visa once you submit the application with all the documentation.  However, you are issued a temporary visa immediately upon submitting your application.

It usually costs from $1500 to $2000 per person to get this visa.  This includes lawyer fees.  You can sometimes get a discount if you submit the applications for your dependents or spouse at the same time.

What Documents Will I Need?

You will also need a boatload of documents.   All the documents will need to be certified, authenticated, translated, etc...

I will outline all those requirements in a future post.

Can You Enjoy These Perks Without The Visa?

Yes, you can.

All Panamanian retirees can enjoy the retirement perks of the Pensionado visa.

This means that if you are of retirement age—60 for men, 55 for women— you can enjoy most of these Pensionado Visa discounts.  It doesn’t matter which type of residence visa you are granted.

So again. As long as you are a legal resident of Panama - and of retirement age - you can get the same discounts on services that Pensionados enjoy.

Want to know about other Panama residency visas you may qualify for?   Check out this post for 3 other visa types.

A stuffed effigy against a chain link fence for a new year celebration.
Filled with Fireworks This Guy Will Burn At Midnight On New Year's Eve (See Ritual #11 below)

Panama's New Years rituals and customs are both unique & interesting.

Have you done any of these?

1. Eat 12 grapes at midnight

As you eat each one, make a wish.  12 wishes for the New Year.

They also say that the grapes will predict how your year will be.  For instance, if your 2nd grape is sour, then February will be a bad month. But if you get a sweet grape, that month will be a sweet experience.

2. Spit out the grape seeds.

Then count the number of seeds.

You use the number of discarded seeds to determine your lucky lottery numbers.

The lottery is very popular in Panama.

3. Have money in your hand at midnight

Don't forget to clasp some money in your hand while you are eating your grapes!

Having money in your hands at midnight will help ensure you will have money throughout the coming year.

4. Walk with a packed suitcase around the house

This will ensure a new year full of travel.

5. Wear yellow underwear

It gives you good luck throughout the new year.

6. Wear red

It will attract love in the new year

7. Put rice in a pot

It will attract wealth for the New Year.

8. Pour water on a pound rice

Sometimes people also pour water on a pound of rice.  I am not sure what this signifies.  Perhaps another cleansing ritual.

9. Burn incense on December 31

This will get rid of bad energy from the old year

10. Hang a bunch of oranges, rice and wheat behind the front door

The benefits of doing this are 3-fold:  prosperity, work and health.

11. Burn a "stuffed man" at midnight

One of Panama’s unique New Year traditions is that of the Muñecos.

These life sized effigies are an old Panamanian tradition.  These "stuffed people" are called many names:

  • Muñecos
  • Dummies
  • Old Year Dolls
  • Judas Dolls

They are stuffed with firecrackers.  Then are lit and beaten at the stroke of midnight.

According to folklore, by beating and setting the effigies aflame, the sins and evil spirits of the old year are destroyed.  Making way for good fortune in the new year.

The fire crackers are said to help drive the evil forces away, since ghosts are afraid of light and noise.

The Muñecos are usually made to look like well-known politicians or movie stars from the outgoing year.  For instance, Fidel Castro, Irving Saladin (Panama’s first Olympic gold medalist, 2011), Celia Cruz, Betty la Fea, etc.

Sometimes people attached strings to the Muñecos so that they can sit on their porch and have the doll "wave" its hand to passer-bys.

Muñecos are especially common along the Pan-American Highway.

12. Swim in the Ocean on January 1

This ocean swim will "clean out" the bad things of the previous year and bring in good things of the New Year.

This year we are going to try to do as many of these rituals as we can.  

Although I hope doing them at midnight is not required.   We are usually asleep well before then.

Please share your Panama New Year experiences in the comments below.

Did we miss a ritual?

Trying to decide if living in Panama is for you?
Take our "Should I Live In Panama? quiz.

December 31, 2012

Little Girl Pretending to Eat A Whole Turkey In One Bite
Turkey Is A Tradition On New Year's Eve In Panama

New Year is a time for partying!

In Panama, any holiday is considered the perfect day to enjoy friends, family, eating, and drinking - lots of drinking.

Relatives gather at home to prepare a New Year's Eve feast.

Dinner traditionally includes:

  • Turkey or ham
  • Rice with guandu, a nutritious round green bean
  • Tamales (FYI, Panamanian tamales are more moist and are filled with less meat than Mexican tamales)
  • Apples, pears, grapes, and nuts
  • Rosca de huevo, which is a braided egg bread in the shape of an oval
  • Rum punch and other alcoholic beverages.

The whole family gathers to enjoy each other and to wait for midnight to arrive.

The sound of fireworks announces the midnight hour.

Then, family members embrace each other and enjoy the dinner they have prepared.

After dinner, people visit and/or call each other until the wee hours.

The young people often go out to the bars and clubs.  On New Year's Eve (and during the holidays) the Zanahoria law is suspended.

The Zanahora law dictates that bars close at 3:00 am.

However, the party is just part of the New Year rituals and traditions of Panama.  

Panama has a number of interesting and unique New Year rituals and traditions.

Go Here For 12 Intriguing New Year Rituals In Panama.

Please comment or ask questions below.

 

If you are considering moving or retiring to Panama, you may find this helpful.

In this video Robin Sare lists his reasons for retiring in Panama.
Transcription below

[leadplayer_vid id="547D139515FAD"]

Robin and his wife Diana bought their property in Puerto Armuelles Panama about 6 years ago.

The last 2 years they have lived here more or less full time.

Robin's Top 5 Reasons For Retiring Here. 

1) It fit their lifestyle desires

Adventures and active sports for him and warm weather gardening for her.

2) Affordable

3) Panama uses the American dollar

This mean you know it will hold value.  (Robin and Diana are Canadians)

4) No hurricanes

Which means you don't have to worry about your house being destroyed in a storm

5) Delightful climate

The temperature "ranges from 22 at night to 28 in the day.    It can get hot in the sun, but with a ocean breeze or shade it is very pleasant."


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Take our "Should I Move to Panama?" quiz

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Go to our frequently asked questions page.


For those who prefer to read, than watch video, the video transcription is below.

Hi, my name is Robin Sare, and my wife Diana and I live here in Puerto Armuelles.

We bought land about 6 years ago and we have been living in the house pretty much full time for the past two years.

We're Canadians and I am now retired.

When we first bought the land, I was still working, but I'm now wonderfully retired, and enjoying it immensely.

We've always traveled extensively. We've probably visited about 50 countries around the world, and we've done a lot of adventure travel sea kayaking, skydiving, river rafting, hiking, mountain biking, that kind of thing, as well as cultural tours.

And so, there came a time when my wife was a little less keen on the adventure route, and I still wanted to keep it up, and my wife is a very keen gardener and loves the warmth and so we thought that Panama would be the ideal combination for the two of us.

The adventure for me and a place for a wonderful garden for her after the cold wastelands of the Canadian North. So, we ended up in Puerto Armuelles having looked at a few other areas in Panama. And really having looked back at our catalog of places through the world where we've been.

First of all, Panama was quite affordable.

Secondly, it uses the American dollar, so your money here will always have some form of value.

They don't have hurricanes here, so you know your house will be here when you get back from wherever you've been off traveling to. The climate is delightful. It goes down to about 22 at night up to about 28 in the day. If you're at noon hour in the bright sun, yes it's hot, but as long as you have a sea breeze or you are in the shade, its truly wonderful.

I do a lot of sea kayaking out in the bright sun and it's no problem being out on the sea, it's very very comfortable there.

Thanks for watching.

 

November 27 2012

Do you Have A Panama Pensionado Visa?

Good news.

You can now easily get a cedula.

Life is much easier in Panama with a cedula.

The editor of The Panama Guide, Don Winter, writes this about this new development.

"Cool. Now everyone out there who already has a pensionado visa can also obtain your permanent identification card (cedula). This is a big advantage, because in the Panamanian business community as soon as you flash a cedula, then they relax because you've been completely identified, even though you're a foreigner. I zip through the airport using the "Panamanian" line in immigration, just by showing my cedula."

In August 2012, the National Immigration Service (SNM) announced:

  • Before permanent residency was being given to retirees, but they could not complete the process to be given a personal identification card (cedula).
  • Now Pensionados can be issued a cedula.

What is A Cedula? 

  • "Cédula" comes from the Latin word, schedula, which means a small piece of paper
  • In Panama, cédula, refers to the identification card issued by the Civil Registry of Panama.
  • Cedulas were first issued for the purpose of voter identification
  • The card displays your name, date and place of birth, gender, a photo, signature, thumbprint, as well as the dates of issue and expiration.  On the back, it also has a magnetic strip that contains all the same information, digitally.
  • Used for proof of age.  This is especially important if you're entitled to retiree discounts.  You can get retirement discounts if you have any type of Panama residency visa once you are 60 for men or 55 for women.
  • With a cédula, you have more standardized rights and access than those with tourist cards or other non-permanent immigration visas.
  • The cédula is now used as an all-purpose national identification card in Panama.

When you are dealing with banks and lawyers, one of the first items you will be asked for is your cédula.  If you don't have one, everything seems to get alittle more complicated.

Having a cédula makes life easier in Panama.

It is great news it is now its much easier for Pensionados to get one.

Find out more about the Panama Pensionado visa.