As well as being a whole lot of fun, expat life can also present many challenges… Leaving behind the life and home you knew, bidding farewell to family and friends, settling into a new community, finding your way around a new neighborhood, getting to grips with visas, taxes, and a different culture… It can be a lot. Add learning a new language into the mix and for some, it’s a step too far.

But the great thing about embracing expat life today is the abundance of options on offer. This doesn’t have to be an all or nothing prospect. A part-time retirement overseas means you can embrace a fun overseas adventure and also enjoy all the old familiar comforts of home.

Let’s take a look at three countries ideal for a part-time retirement overseas where you won’t need to learn a new language or worry about securing residency…

Incredible landscapes, first-rate health care, friendly, English-speaking locals, a high standard of living… Little wonder New Zealand is a bucket-list destination for so many. Plus, it’s considered one of the world’s safest countries, has no snakes or large predators, and offers climate options ranging from subtropical in the far North to alpine on the South Island.

Tauranga, the largest city in the Bay of Plenty region located on the Northern coast of New Zealand’s North Island is a popular choice for retirees. Here you’ll enjoy a mild coastal climate, vast golden- and white-sand beaches, lakeside parks, bustling farmers’ markets, and your pick of social clubs. This good living comes at a cost, of course. For a single, a starting point of around $3,500 a month is a good guide and for a couple, $4,500.

Other senior-friendly options include the North Island’s Kāpiti Coast District, which offers laidback coastal living within easy reach of all the conveniences and amenities the capital, Wellington.

For slightly lower costs and more sunshine, consider the town of Blenheim located in the Marlborough District—New Zealand’s largest wine-producing region—on the South Island. This is a great spot for lovers of the great outdoors with abundant opportunities for golfing, fishing, hiking, and water sports. For a single here, a monthly budget of $2,750 is a good guide. For a couple, $3,500.

If you’re looking to retire full-time in New Zealand, the easiest residence permit to qualify for is likely the Active Investor Plus Visa which requires an investment of at several million dollars. However, U.S. citizens can stay in New Zealand for up to 90 days without a visa. In addition, U.S. citizens can apply for a Visitor Visa which permits a stay of up to nine months in New Zealand in an 18-month period.

Canada has a lot to offer… It’s close to the U.S. and it’s familiar, with a mostly English-speaking population and a lot of cultural crossover. However, it can be difficult to obtain residency and doesn’t offer a retiree-specific visa. On the plus side, U.S. citizens can stay in Canada, visa-free, for up to 180 days.

For retirees, some of Canada’s most popular spots include Victoria and Parksville in British Columbia. Victoria offers Canada’s mildest year-round climate, safe, walkable neighborhoods, impressive health care facilities, and an abundance of outdoor recreational activities.

Parksville—a coastal city on British Columbia’s Vancouver Island—has earned the unofficial title of “Canada’s retirement capital” as more than 40 per cent of the population there are senior citizens. As a result there’s plenty of senior-focused facilities, events, housing, and programs on offer. It also enjoys a mild climate, lush parks, golf courses, hiking trails, first-rate health care, vibrant markets, and a walkable town center.

British Columbia is one of the most expensive provinces to live in Canada so you will need a pretty healthy budget if you’re planning on spending several months here. Figure on a monthly budget of around $3,000 a month for a single and around $4,500 for a couple.

For more affordable options, look to New Brunswick. In Saint John, a seaport city on the Bay of Fundy, retirees can enjoy big city conveniences without the high price tag plus more affordable house prices and a lower cost of living than in other Canadian cities. Plus, with around one-fifth of the local population aged over 65 there are plenty of senior-focused activities and facilities on offer.

For single retirees, a budget of around $2,000 a month would suffice here and around $3,500 would see a couple living well.

For some, New Brunswick’s humid continental climate featuring cold, winters is the trade-off, but for those only here part of the year, they’re easily avoided.

Hundreds of thousands of U.S. citizens make their home in the United Kingdom (U.K.) however the country doesn’t offer a retirement visa so unless family ties (e.g. a spouse with U.K. citizenship), ancestry, or investment routes are open to you, your best option will be a long-term visitor visa . This allows stays of up to six months per visit and can be issued for up to 10 years.

Rich history, iconic landmarks, royal palaces, lush national parks, treasure-laden museums, and vibrant cities are just a taste of what the U.K. has to offer visitors and residents.

In addition, for English-speakers there’s no language barrier, the health care system is considered one of the world’s best, the infrastructure is solid, and public transport system extensive.

The U.K. has a temperate maritime climate with four distinct seasons. Generally, the north and west of the country are wetter and windier than the south and east. For skiers and snowboarders, Scotland is where you’ll find snow with a season that typically runs from December to April. For sun-seekers, Cornwall and the Isle of Wight enjoy a much milder, subtropical microclimate than the rest of the U.K.

Some of the best places for retirees in the U.K. include the university city of Bath, a UNESCO World Heritage Site in Somerset, England.

It offers a mix of impressive Georgian architecture, an attractive, walkable city center, a host of recreational opportunities, and first-rate health care facilities. While more affordable than the capital, London, Bath is more expensive than most part of the U.K. For a single, factor in a budget of around $3,000 a month, rising to at least $4,000 for a couple, depending on your lifestyle.

Other options include the cathedral city of York in North Yorkshire, the coastal county of Cornwall in South West England, and the leafy county of Buckinghamshire which offers a high quality of life within easy reach of London.