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5 Reasons To Choose Malta For Your Retirement

Malta for your retirement, 5 Reasons To Choose Malta For Your Retirement

Retirement, a time to do what you want to do, when you want to do it, where you want to do it and how you want to do it

Catherine Pulsifer
Malta for your retirement, 5 Reasons To Choose Malta For Your Retirement

As part of our guest writers series, we are excited to welcome Martyna Inkielman, a content writer at PhotoAiD. The PhotoAiD app is an excellent service that allows you to take the perfect biometric passport photo from home. You get to choose the photo you look best in. We all hate those awful ones most of us have in our passports.

Martyna will be contributing multiple data-based articles that will provide insight to our readers. Malta is an ideal destination for retirement, and now you will learn why. What makes Malta even more intriguing is that it is one of the top places where digital nomads are welcome to work remotely. Many of the factors that Martyna mentions also apply to digital nomads.

Our visit

We visited Malta in 2021 and were captivated by this tiny island with a big heart. Malta has a unique history, ancient sites, and delicious cuisine. It is located between Italy and Tunisia in the southern Mediterranean Sea. All the reasons why Malta is a great place for retirement are the same reasons to visit, too!

As people approach their retirement, many dream of moving to a new country where they can enjoy a different way of life. According to the ranking of best countries to retire in Europe created by Passport Photo Online, Malta is the best place for your golden years. In this article, we will explore the top five reasons why Malta is an excellent choice for retirement. Whether seeking a warmer climate, more affordable living costs, excellent healthcare, or a welcoming community, Malta has all these – and more. So, if you’re considering retiring overseas, keep reading to learn why Malta should be at the top of your list.

Malta for your retirement, 5 Reasons To Choose Malta For Your Retirement
5 Reasons To Choose Malta For Your Retirement

Reason #1: Climate and Scenery

Malta is a popular destination for retirees seeking a warm and picturesque location to settle down. The island boasts a mild Mediterranean climate, with long and hot summers and mild winters, making it an attractive place to enjoy an active, outdoor lifestyle.

Retirees will find plenty of opportunities to stay active with various outdoor activities, including swimming, sailing, fishing, and golf. The rugged coastline and crystal-clear waters are perfect for water sports enthusiasts, offering ideal conditions for activities. Popular activities include snorkeling, scuba diving, and windsurfing.

Malta for your retirement, 5 Reasons To Choose Malta For Your Retirement

Malta’s natural beauty is a sight to behold, with numerous beautiful beaches, rugged coastlines, and charming harbor towns scattered across the island. Its capital city, Valletta, is a UNESCO World Heritage Site renowned for its Baroque architecture, ancient fortifications, and stunning views of the Grand Harbour.

For those looking for a more laid-back experience, Malta’s countryside is dotted with charming villages and towns, each with unique character and charm. From the historic walled city of Mdina to the traditional fishing village of Marsaxlokk, Malta has no shortage of stunning landscapes to explore.

Reason #2: Malta’s Cuisine

Malta for your retirement, 5 Reasons To Choose Malta For Your Retirement

In addition to its natural and historical attractions, Malta is renowned for its delectable cuisine. The island’s culinary scene reflects its unique blend of Italian, North African, and Middle Eastern influences, creating a diverse range of dishes that are sure to appeal to any taste buds.

Malta’s cuisine is renowned for its abundant fresh seafood, thanks to its Mediterranean location. The island’s coastal towns and villages are home to some of the best seafood restaurants in the Mediterranean, offering an array of dishes featuring freshly caught fish and shellfish.

Malta’s street food scene is also a must-try. Lively food markets and street vendors serve various mouth-watering snacks and treats that will tantalize your senses.

For retirees who consider themselves foodies, Malta is an ideal destination, as it offers a vast selection of delectable dishes. Your retirement in Malta will be full of culinary adventures and memorable dining experiences, leaving you satisfied and wanting more.

Reason #3: Ease of Residency

Malta for your retirement, 5 Reasons To Choose Malta For Your Retirement

Malta’s citizenship-by-investment program is a compelling opportunity for foreign nationals looking to acquire Maltese citizenship by investing in the country. This program particularly appeals to retirees who wish to relocate permanently to Malta, granting them the freedom to live, work, and travel across the European Union.

Furthermore, Malta extends tax incentives to retirees who choose to settle on the island, providing a low flat tax rate of 15% on foreign income.

Retirees seeking to apply for residency in Malta can do so by providing proof of income, a valid passport, and evidence of health insurance coverage. Malta’s visa policy is very accommodating, allowing residents to travel freely within the Schengen Area.

Malta is an English-speaking country that is ideal for retirees who are not fluent in other European languages. English is the official language of Malta, so it is easy for English-speaking retirees to communicate and navigate their way around the island.

Reason #4: High-Quality Healthcare

Malta for your retirement, 5 Reasons To Choose Malta For Your Retirement

Malta’s modern hospitals and medical centers are equipped with top-of-the-line facilities, offering retirees a comprehensive range of medical services and top-notch healthcare. The medical staff is highly qualified and proficient in English, ensuring clear communication with patients and exceptional care.

One of the significant benefits of Malta’s healthcare system is its affordability. The cost of healthcare services is significantly lower than in other European countries, making it a sought-after destination for retirees seeking quality yet affordable medical care.

In addition, Malta has established reciprocal healthcare agreements with several other European countries, enabling retirees to access medical services at reduced rates.

Retirees can also take advantage of the comprehensive medical insurance plans offered by the island’s private healthcare providers. These affordable policies provide peace of mind, knowing they are covered in any medical emergency.

Reason #5: Low Cost of Living

Malta for your retirement, 5 Reasons To Choose Malta For Your Retirement

Last, but not least, it’s worth noting that Malta offers an affordable cost of living compared to other European countries, making it an excellent option for retirees looking to make the most of their retirement income. The price of accommodations in Malta is significantly lower than in other European countries, with a range of affordable housing options available, from apartments to houses in urban or rural areas.

Food and entertainment costs in Malta are also reasonably priced, with a wide selection of dining options available at local restaurants, cafes, and bars. Retirees can enjoy free or low-cost entertainment options like local festivals, museums, and historical sites. Transportation costs are also low, making it easy and cost-effective to travel around the island.

Additionally, Malta offers tax incentives for retirees, including the low flat tax rate of 15% on foreign income. That makes it a desirable destination for retirees seeking to stretch their retirement income further.

Interested in checking out what Malta has to offer? Check out our Malta Country Guide.

Stacking it all up

Malta for your retirement

There you have it! Malta is an exceptional destination for retirees seeking a high quality of life at an affordable cost.

From its sunny weather and beautiful scenery to its delicious cuisine, ease of residency, high-quality healthcare, and low cost of living, Malta offers all the ingredients for a comfortable and enjoyable retirement.

All considered it’s no wonder that Malta is at the top of the list of retirees seeking a new adventure and a fulfilling retirement. Whether you’re seeking relaxation, adventure, or a bit of both, Malta is the perfect place to call home in your golden years.

Are you considering traveling there? Make sure to be safe by taking care of your travel insurance.

Malta for your retirement

Writer’s bio

Martyna Inkielman in a content writer at PhotoAiD. She enjoys writing about travel and lifestyle topics. When she’s not writing, Martyna can explore new cuisines, paint, and take analog photos.

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Our favorite travel insurance site!

If you book a trip, don’t forget to get travel insurance within 14 days of your first booking. We could not be stronger advocates of being well-insured. Not just for the little stuff but the big things like medical emergencies. We never leave home without it. Over the years, we have used many sites but have now found our go-to place. Squaremouth.com does a fantastic job; it has a user-friendly interface, uses top-rated and reputable insurance carriers, and most policies cover COVID-19 medical issues and cancellations. They also mediate on your behalf if you have problems with your policy.

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They are the premier global air medical transport. One caveat to travel insurance is that medical evacuation usually gets you to the closest facility to care for you. Medjet gets you back to the U.S. to the hospital of your choice once you are stable enough to fly. They cover COVID-related transport as well.

Medjet carries its own policies. These policies are only for transport and do not cover other aspects of travel insurance. They have individual trip policies starting at $99 and annual policies for around $300. Most of their policies limit the age to 74 and younger. Prices are not based on age below that.

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Hotels, home rentals, BNBs, flights, and other transportation & tours 

Expedia is a US-based company whose mission is to power global travel for everyone and everywhere. Whether planning a family vacation, booking for business, or organizing the trip of a lifetime, they are a fantastic resource. Wanderers Compass focuses on independent travel, and using sites like Expedia makes that possible. Every aspect of travel you need, from airfare, accommodations, rental car, and cruises to activities to do at your destination, can be booked on Expedia.  


Hotels, Home rentals, BNBs, Flights, and other Transportation & Tours 

Booking.com connects millions of travelers to memorable experiences, various transportation options, and incredible places to stay – from homes to hotels and much more. It is one of the world’s largest travel marketplaces for established brands and entrepreneurs of all sizes.

We always check Expedia and Booking.com to verify prices. At times, one is sold out of rooms while another at the same place has rooms. We also often find some European hotels, especially smaller ones, on Booking.com but not on Expedia. It could be they are a Europe-based company. Try both before booking accommodations.

Vacation Rental By Owner (VRBO)

Are you traveling with a family or having an extended stay at your destination?

With over 2 million bookable vacation rentals, VRBO connects homeowners with families and vacationers looking for something more than a hotel for their trip. The VRBO community offers families or groups various rental property types such as condos, cabins, lake rentals, beach houses, etc.

VRBO is now under the Expedia group’s ownership, which many were worried about, but it hasn’t panned out to be a concern. It is a massive network with access to all lodging forms should issues arise. Joelle has used VRBO for many years with her family and has had no problems with it.


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An excellent source for travel essentials and guides

We now have our own Amazon Storefront with all our favorite travel accessories and gear in one place. Check out our travel store at the link below.

Wanderers Compass Amazon Storefront

Amazon is one of the most comprehensive online shopping sources in the world. Teams worldwide provide lower prices, better selection, and rapid delivery on behalf of customers. They offer a vast inventory, and their 1.7 million small and medium businesses worldwide selling on Amazon.com offer extensive options to customers.

We buy most of our travel books, accessories, and luggage from Amazon. We have ordered up to two days before travel and get what we need.


This is not your ordinary drinkware company. The HYDAWAY difference is what their products do when you’re not using them. Practical and portable, HYDAWAY doesn’t take up unnecessary space in your already-packed life or pile up in landfills. We all know that trying to pack light while being environmentally conscious can be difficult. Having the right items can make a world of difference. HYDAWAY provides that.

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A global leader in ground transportation for travelers. They help hundreds of companies worldwide enhance their services and boost their revenue with our 5-star ride experiences and hassle-free automation.

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