As Greece decides what to do about its €323 billion debt and whether to abandon the euro, hotels are facing a drop in last-minute bookings, and holidaymakers who have already booked are wondering whether to go.

Whatever you decide, the most important piece of advice is: don't rely on ATMs - they may not all be topped up regularly - and take enough cash for your stay as well as your cards.

How much is enough? The Post Office have produced guielines which suggest that a meal including drinks for a family of four will cost around £36 in Crete and around £47 in Corfu. Expect to pay £1.45 for a cup of coffee and £2.62 for a glass of wine.

And given the amount of cash you will have, check your travel insurance. Some companies have increased the amount they will cover for loss and theft.

Your cards will work, but retailers and restaurant owners may insist on cash.

If you're looking for a refund, do be aware: the only time you can expect to easily get one from the tour operator is when the Foreign Office advises against travel. This has not happened with Greece.

As for protection, package holidays are covered by the Civil Aviation Authority's ATOL (Air Travel Organisers' Licensing) scheme, which means you are protected from being stranded abroad.

You won't have this protection if you have booked direct with an airline or accommodation provider unless either of those goes bust, in which case if you have paid more than £100 by credit card you will be covered for the service you have lost. Check your travel insurance.

Some policies may not cover insolvency. Those that do are likely to cover only the service you have lost.