There are very few bugs and insects in Cayo. We have practically none on our property because we chose to be on the hilltop where there is no standing water and we get a good breeze. If you go down to the river or into the heavy jungle where most of the resorts are located then you can have mosquitoes. Even in downtown San Ignacio, you can walk around and not see any mosquitoes.
The mosquitoes in Texas are much worse than here in Cayo. When we lived in San Pedro on Ambergris Caye we never went out towards sunset without mosquito spray unless we were dressed in long dresses or long pants and long sleeves.
(Cayo Espanto, a private island resort, Belize, pictured.)