If you are a frequent international traveler, you might need to consider getting these 4 things before traveling abroad:

1. An ATM or a debit card that has no foreign transaction fees and no ATM fees for using an ATM anywhere in the world.  If you have a checking account with Schwab Bank, you pay no ATM fees and no foreign transaction fees when withdrawing cash anywhere in the world. Schwab bank reimburses all ATM fees that the ATM machines charge. Click here for more details.
2. A Visa or a Mastercard credit card that has no foreign transaction fees for using the card anywhere in the world. The card must have a trip cancelation/interruption insurance coverage, an auto rental collision damage waiver, a baggage delay insurance coverage, a lost luggage insurance coverage, and a trip delay insurance coverage. Click here for more details.
3. Travel health insurance plan that covers any emergency and non-emergency medical care in any foreign country. The plan should also cover any emergency medical transportation to the nearest medical facility, medically equipped flight to a city or a country that has a higher standard of care if necessary, and the repatriation of mortal remains to the plan holder’s primary residence in the U.S. Click here for more details.
4. A cell phone plan that has global coverage without extra cost. T-Mobile One and T-Mobile One Plus plans have global coverage. If you have one of those 2 plans, you will have global coverage in 210+ countries and destinations. Click here for more details.