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Europe and the US are sweltering with temperatures reaching highs of 49C (120F) in some places.

As Italy, Spain and Greece are facing many more days of extreme heat, here's what you need to know if you're booked on a holiday in a heatwave.

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Is it safe to travel to Europe?
If you're worried, you should check Foreign Office advice before travelling and ensure everyone travelling is covered by your insurance. Currently, there are no Foreign Office travel warnings related to the weather.

The Association of British Travel Agents (ABTA) says flights and holiday packages are continuing as normal. On its website, ABTA has a checklist with six general steps holidaymakers can take to prepare for their trip. It includes advice such as making sure you have a valid Global Health Insurance Card (GHIC) or European Health Insurance Card (EHIC) with you - although experts say travellers should still take out travel insurance as the cards do not cover everything, such as repatriation.

Will I get a refund if I cancel my holiday because of the heatwave?
NAME_1, a consumer rights expert, said in most cases holidaymakers would not get quick refunds if they decided against travel. But there are circumstances where money could be claimed back depending on how and when the holiday was booked, what type it is, and the insurance.

Those who are already on holiday would have more chance of claiming partial refunds - if conditions are so bad that your health has been affected, your insurer may cover your early departure through its "curtailment" clauses.

However, getting money back if you cancel before departure would depend heavily on your insurance, and your own personal circumstances. Policies do not cover a "disinclination to travel", Mr NAME_2 said, unless there is a valid or official reason.

He said that many insurers use official guidance as the "watermark" to honour the costs of cancellations. "As soon as official guidance says it is dangerous to travel, that is when the 'curtailment' clauses for refunds kick in," he said.

Are heatwaves covered by travel insurance?
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Most policies have clauses covering "extreme" or "severe" weather, but the definitions are not often clear and focus on hurricanes or other such natural disasters rather than heatwaves. However, there may be grounds to not travel.

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