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

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?

I do not feel like wasting my time with people like you that not only write incomplete information but also shows lack of respect and contaminate the forums with messages last your previous one.
Anyway, for people who really want to use this valuable forum to gather PRECISE information:
a) I only paste the same message where it applies, my only goal is trying to help people.
b) After calling and chating with both Apple and T-Mobile I can say 100% sure that contract-free and unlocked ARE NOT the same.
c) Other users have said that their iPhone seems to be unlocked but be aware that you are on your own if you pay nearly $700 for an iPhone that MAY only work for T-Mobile.
d) You can clearly see the difference on Apple´s website where iPhone 5c gives you the option to select UNLOCKED while iPhone5s does NOT. Again, you are at your own risk.
e) On another forum a user kindly pasted a conversation with Apple´s customer support that says that the iPhone 5s contract-free will work internationally if the carrier supports the frequencies.
f) I will paste this text on whichever other forum that talks about this issue because I want to help people to make INFORMED decision with their purchasing options.
h)And finally, I apologize for not noticing that by mistake I put a reference to this FelipeV on some of my posts, it was an honest mistake.

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