Panama

Among Central America's top surf spots, Santa Catalina is still somewhat remote with limited development and home to some seriously wicked surf. Life here is pretty tranquil, in a fishing village where skateboards rip down main street and kids go barefoot but clothing is required to walk to and from the beach. Most non-surfers discover the area as the main springboard for day and overnight trips to Isla de Coiba and its national park, where there's outstanding scuba diving and snorkeling.

With its Caribbean islands dotting a shock of blue waters, Bocas del Toro is all that's tropical. This is Panama’s principal tourist draw and it will no doubt provide some of your most memorable experiences. The archipelago consists of six densely forested islands, scores of uninhabited islets and the Parque Nacional Marino Isla Bastimentos, Panama’s oldest marine park.

Panamá Province has a rich history of pirates, plunder and pearls. Although it's the most populous province in the country, Panamá can be as big or as small as you want it to be. Tranquil rainforests and sizzling beaches are yours to explore, and the comforts of the capital are never more than an hour away.

The archipelago’s most developed island is home to the provincial capital of Bocas del Toro. From the mid-1990s, foreign investors flooded the island, creating hotels, restaurants and condos while infrastructure for water, trash and sewage lagged far behind. Today the island, which runs on diesel, struggles to find a balance between satisfying development and serving community needs.

Colón Province is much, much more than its run-down capital. Think pristine beaches and lowland rainforests, colonial splendor and the modern engineering marvel of the Panama Canal. Portobelo, with its growing music and art scene, shows the best of the rich culture of the Congos, descendants of enslaved Africans who have preserved the legacy of their ancestors, while the train trip between Panama City and Colón remains one of the greatest rail journeys in the Americas.

Boquete is known for its cool, fresh climate and pristine natural surroundings. Flowers, coffee, vegetables and citrus fruits flourish in its rich soil, and the friendliness of the locals seems to rub off on everyone who passes through. Boquete gained a deluge of expats after the American Association for Retired Persons (AARP) named it a top retirement spot. Until you see the gated communities and sprawling estates dotting the hillsides up close, though, you'd be hard-pressed to see what the fuss is about.

Officially known as El Valle de Antón, this picturesque town is nestled in the crater of a huge extinct volcano, and ringed by verdant forests and jagged peaks. El Valle is a popular weekend getaway for urban dwellers in need of fresh air and scenery and is also a retirement community for foreigners, with some 200 resident expats from more than 40 countries. With an extensive network of trails, this is a superb place for walking, hiking or horseback riding. Nearby forests offer excellent birdwatching, and the valleys of El Valle are home to an impressive set of waterfalls and natural pools.

This Caribbean fishing village is so laid-back and languorous, it's hard to imagine it was once the greatest Spanish port in Central America. Mules carried Peruvian gold and Oriental treasures to Panama City via the fortresses at Portobelo. Though English privateers destroyed them many times throughout their history, several of these atmospheric colonial fortresses still stand amid village homes.

Colorful and full of Caribbean-style clapboard houses, Bocas del Toro (better known simply as Bocas town) was built by the United Fruit Company in the early 20th century. Today it is a relaxed community of West Indians, Latinos and resident gringos, with a friendly atmosphere that is contagious. It’s an easy place to adapt to and even easier to linger in.

The highland rainforests are the heart of Chiriquí Province. From the rugged mountains of Parque Internacional La Amistad and the misty hills of Boquete to the continental divide traversing the cordillera (mountain range), this is probably the only spot in Panama where you might need a sweater. While Panamanians relish the chill, you’ll appreciate the astounding natural beauty throughout the region.