Next to dropping your camera in the water, the next worst thing has to be losing your memory- that is your camera's memory. All your photos stored on one little card, GONE!
An ounce of prevention
Don't buy the biggest memory card you can afford and try to store your entire vacation on that single card. Lose or zap the card and there goes all your vacation photos. So if you were thinking of getting one 32Gig card, buy four 8Gig. Same storage and certainly less risk.
You can use different strate