Not if you use a credit card; a quick call to Visa/MC/Amex will get your money back instantly in Europe too.
The main difference is that, in Europe, debit cards are often used in the same way as a CC - except they are just a direct pipe to one's bank, and once the money comes down the pipe there is no easy way to push it back up.
The main difference is that, in Europe, debit cards are often used in the same way as a CC - except they are just a direct pipe to one's bank, and once the money comes down the pipe there is no easy way to push it back up.