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This is correct. Out of curiosity, have you required 4G while roaming?

For maps, music and Uber 3G worked just fine for me in the UK and India.

I'm in Europe every year, and the T-Mobile 3G speeds are unbearably slow. I switch out my SIM for a (much cheaper!) EU SIM card after arriving.

Note that with T-Mobile's roaming, you're still on the 4G/LTE network. It's just that they throttle you to 3G speeds.

At least it's better than it was 2-3 years ago, when they actually limited your phone to EDGE (!).