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

1. An ATM or debit card with 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 will pay no ATM fees or foreign transaction fees when withdrawing cash anywhere in the world. Schwab Bank reimburses all ATM fees charged by the ATM machines. Click here for more details.

2. A Visa or Mastercard credit card with no foreign transaction fees for use anywhere in the world. The card should include trip cancellation/interruption insurance, auto rental collision damage waiver, baggage delay insurance, lost luggage insurance, and trip delay insurance. 

3. A travel health insurance plan that covers emergency and non-emergency medical care in any foreign country. The plan should also cover emergency medical transportation to the nearest medical facility, medically equipped flights to a city or country with 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 with global coverage at no extra cost, along with an unlocked phone that is compatible with an eSIM card. This will allow you to purchase affordable data plans online for specific countries or regions.