Traveling soon, Can I use a Note 3 on a different carrier?

[KeithUbel]

I'm trying to decide if I should get the Note 3 now or wait until January.

I have to travel to Armenia in December and I am wondering if I can swap out the SIM card in the Galaxy Not 3 for a local one WITHOUT having to root the phone or otherwise screw up the warranty/insurance coverage.

Does anyone know if this is possible and if so how to do it?

I have heard that the Note 3 is SIM unlocked and even region unlocked if you start it up for the first time with a SIM from where it was purchases buut I'm still not sure. I'll only be over there for a couplr of weeks but it would be nice to be able to use my phone without paying through the nose for the service. Anyone have any ideas?