CanuckTravlr--We don't even own a debit card, as here in the US anyway, banks often do not replace funds taken via a debit card, versus a fraudulent charge on your credit card. Often, those are "inside situations". Now, if there is a skimming incident, I would assume, without knowing, that they would replace the funds.

This is just one more example of how, just because you're on vacation, doesn't mean that you shouldn't take precautions.