Before you book anything, get the Amazon.ca Visa card (no annual fee) and the only currency cost will be the bank rate, no exchange fee. You also get credit toward a purchase or a cash-back deal. There are no insurance benefits, however. The Marriott Visa card (which has an annual fee) also gives this benefit.
I have both of these and they work well for credit charges overseas. Have you compared using them for cash withdrawals versus your bank's debit card?
I would be interested in people's experiences with this.