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The Foreign Service Cell Plan Debate

Real stories, practical tips, and honest advice for navigating the Foreign Service journey—whether you’re posted overseas or prepping for your next move.

hotspot
carriers
googlefi
esim
two hands holding a passport and a phone featuring an electronic SIM card

Oh, honey, navigating cell service abroad as a Foreign Service family can feel like trying to find a needle in a haystack, right? There's just so much to consider beyond just the monthly bill. But don't you worry, myFSPal is here to help you cut through the noise and get connected, happily!

Sometimes I wish we could go back to a time before a constant 24/7 data connection, but alas that's no longer the world we're in. I understand you're probably in one of three camps:

  • GoogleFi
  • T-Mobile
  • Local SIM + Google Voice

If you're like me, you've had the same phone number for decades, and it's so connected to your identity that you can't imagine parting ways with it. Maybe you're a free spirit who's happy to reinvent yourself at every post. Either way, there are options for you.

Your Family's Best Friend: The Mobile Hotspot

Netgear M6 5G Mobile Router - Great for the jetsetting family!
Netgear M6 5G Mobile Router - Great for the jetsetting family!

I had been a GoogleFi customer since it was called ProjectFi and handed out so many referral links I basically ran out of referral credits! However, on our last tour, I started to think it wasn't matching the cost of local carriers or other options. We tried something new: we got a mobile hotspot and a local SIM, which amounted to $60 for a year of damn-near unlimited data (30GB per month, or so).

We invested in a Netgear Nighthawk Mobile router that we could take around with us to different countries in the region. We could drop into a new country, grab a 2-week data/text SIM, and use the mobile hotspot for our vacation while not racking up the Google Fi costs.

One of the most liberating aspects of using a local SIM is the ability to adapt to the local network environment seamlessly. It allows you to enjoy local rates and often better connectivity, which can be a game-changer when you're stationed in a new country. A dedicated mobile hotspot device, like the Netgear Nighthawk M6, is a game-changer for Foreign Service life. Instead of juggling multiple international plans, you can use one device to create a private Wi-Fi network for your entire family.

How it Works:

Simply buy a single, cheap local data SIM card at your post and insert it into the hotspot. Instantly, all your devices—phones, laptops, tablets—can connect to fast, affordable internet.

  • Great for families to share one data plan.
  • Perfect for travel within your host country or region.
  • Saves money by using cheap local data rates for everyone.
  • Keeps your phone's primary SIM slot free for your U.S. number.

Understanding U.S. Cell Carriers Abroad

When it comes to staying connected overseas, your U.S. carrier isn't always a one-size-fits-all solution. Many carriers have "excessive roaming" policies that can lead to your service being throttled or even suspended if you spend too much time abroad without returning to the U.S. This is especially important for Foreign Service families who are living overseas for years at a time!

Here’s a quick overview of some popular U.S. carriers and what you need to know about using them internationally:

Carrier Best For International Perks The Catch MyFSPal Says...
Google Fi Short trips & easy setup Works in 200+ countries, free international texts, $0.20/min calls, free Wi-Fi calls to US Data suspended if majority usage is outside US for 90 consecutive days. Voice/text usually remain active. Fantastic for initial arrival or temporary duty (TDY). For long-term use, be ready to upload your TM-4 travel orders to avoid suspension. Keep an eye on that 90-day mark!
T-Mobile Good initial data allowance 5GB high-speed data included, works in 215+ countries, international passes available Data lost if >50% usage is international for >2 months; blocked after 3 months. Great for the first couple of months at post to get settled. Just remember, they're not thrilled if you're *always* abroad. Consider a local SIM after the initial grace period.
Verizon Users needing lots of data 10GB high-speed data on top plans, TravelPass option for daily use, $100/mo international plan TravelPass can auto-activate, causing surprise charges. Service may be limited if >50% usage is international for >60 days. Pricey, and those TravelPass charges can sneak up on you! If you plan to use them long-term, definitely monitor your usage to avoid unexpected bills and service interruptions.
AT&T Predictable daily pass costs International Day Pass for $12/day, cost capped at 10 days per billing cycle, works in 210+ countries Unofficial 3-month cap on heavy use. Minimal background data can trigger the full daily charge. Good for predictable travel, but for long-term assignments, it's not the most cost-effective. Be mindful of *any* data usage triggering that daily charge, even in the background!
US Mobile Flexible eSIM options International roaming included on some plans, roaming data add-ons available, reliable 2FA via Wi-Fi calling Roaming quality and customer support experiences can vary depending on the underlying network you choose (T-Mobile vs. Verizon). US Mobile offers great flexibility, but user experiences with international connectivity and customer service can be a mixed bag. Research their network partners and read recent reviews specific to your planned destination to set your expectations!
Mint Mobile Keeping your U.S. number cheaply Excellent $5/mo "no data" pass, perfect for 2FA and Wi-Fi calls, receiving SMS is free Data passes can be expensive. Best used for number retention, not as a primary data source for long-term use. This is my top pick for maintaining your U.S. number for 2FA and essential calls without breaking the bank! Pair it with a local SIM or hotspot for data, and you've got a winning combo.

eSIM vs. Traditional SIM: What's the Scoop?

You've probably heard the buzz about eSIMs lately, especially if you have a newer smartphone (think iPhone 13 or newer, or many recent Android flagships). But what exactly is the difference between an eSIM and the good old physical SIM card we've all been using for ages? Let's break it down!

Feature Traditional SIM Card eSIM (Embedded SIM)
Physical Form Small, removable plastic card you insert into your phone. Digital, embedded chip within your phone; no physical card needed.
Installation Pop it in! Download a digital profile (usually via QR code or app).
Switching Plans Swap out physical cards. Download new profiles; switch between them in your phone's settings.
Multiple Plans One physical SIM per slot (some phones have dual SIM slots). Store multiple eSIM profiles on one device and switch between them easily.
Availability Standard worldwide. Increasingly common, especially with newer devices and international providers.
Security Can be lost or damaged. More secure as it's harder to remove or tamper with.
Convenience Need to buy and physically install new cards abroad. Buy and activate new plans digitally from anywhere with an internet connection.

MyFSPal's Take: eSIMs are a game-changer for Foreign Service life! No more hunting down tiny SIM card trays or worrying about losing your primary U.S. SIM. You can keep your U.S. number active on an eSIM for 2FA and essential calls, while easily adding local data-only eSIMs for internet access at post or when traveling. It’s super convenient and truly makes managing multiple numbers a breeze. Make sure your phone is unlocked to take advantage of these capabilities!

Preparing to go Overseas!

Tick these off before you go to ensure a smooth digital transition and keep those connections strong, no matter where in the world you land!

1. Unlock Your Phone

This is probably the most important step. If your phone is "locked" to your current U.S. carrier, it means it won't work with a local SIM card abroad.

Call your carrier well in advance of your departure. Most require your account to be in good standing and the phone fully paid off. Don't wait until the last minute – sometimes this process can take a few days! Once it's unlocked, your phone is truly yours to use with any compatible network in the world.

2. Switch to Authenticator Apps (Goodbye, SMS 2FA!)

You know those annoying (but necessary!) two-factor authentication (2FA) codes that banks and other services send to your phone via text message? Well, relying on SMS for 2FA when you're abroad can be a real headache. Delays, dropped messages, or even not receiving them at all can lock you out of critical accounts.

For every account that offers it, switch your 2FA method to an authenticator app like Google Authenticator or Authy. These apps generate codes right on your device, even offline, making your accounts more secure and accessible, wherever you are. Your future self will thank you!

3. Port Your Number (If Needed)

If you're planning to ditch your U.S. carrier entirely but want to keep your decades-old phone number (I feel you on this one!), moving it to a service like Google Voice is a popular option.

Do this while you are still in the U.S. Porting your number usually requires a verification text message or call, which is much easier to manage before you've crossed an ocean. Google Voice lets you keep your number for calls and texts (which come through the app via Wi-Fi or data) and is brilliant for receiving those pesky 2FA codes when you absolutely need them.

4. Prepare Your eSIMs

If you've got a modern phone, you're in luck! eSIMs are a game-changer for international living. They allow you to add a new phone plan digitally, without needing a physical SIM card.

If you know you'll be using a data-only eSIM (like from Airalo or a local provider that offers eSIMs), it's a fantastic idea to purchase the plan and download the eSIM profile onto your phone before you leave. Do this while you have reliable Wi-Fi. That way, when you land, you just activate it, and you're good to go!

5. Test Your Setup Upon Arrival

Once you're settled at your post, activate your local data (whether it's from a physical SIM or an eSIM). Crucially, go into your phone settings and ensure data roaming is OFF for your U.S. SIM. You want to make sure your U.S. number is only being used for calls/texts, and your local plan is handling all the data. Then, make a quick test call and send a text to a friend or family member to confirm everything is working just as expected. A little test provides a lot of peace of mind.

Questions / Comments / Error Corrections? Help us make our tools better, relevant, and more accurate for the Foreign Service Community by e-mailing us at myforeignservicepal@gmail.com.