Another option you may want to try is to see if your credit card offers trip cancellation coverage.
As a Canadian Citizen, I was able to get a $US Master Card and $US Chequing account through one of our major banks (Bank of Montreal). That way I will never again have to worry about the foreign exchange mark up or make mental exchange calculations.
My card offers $5000.00US of trip cancellation insurance, but I pay $60.00US per year for the privilege. The last 2 trips I took, I had to pay almost $300.00CDN for coverage for 3 people.