Hotel/Motel Burglary: You’re Covered With These Cards

Charlotte Sinclair
by Charlotte Sinclair July 14, 2016 / No Comments

Have you ever stayed in a hotel and had your personal belongings stolen? Replacing all those items can be costly. In this situation, having credit card travel insurance can be useful.

There are a few travel rewards credit cards that provide hotel/motel burglary insurance at no extra cost. You simply need to pay for the hotel or motel booking with your credit card.

Hotel/motel burglary insurance protects you in the event that your personal property is stolen from the room where there’s evidence of forced entry. You can be covered up to a maximum amount for any theft that occurs while you’re checked in. As with most insurance policies there are limitations to what items are covered. Always read the conditions carefully.

Here’s a look at two credit cards that offer hotel/motel burglary insurance:

Scotiabank Gold American Express Insurance

Scotiabank Gold American Express Card


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  • Reimbursed up to $1,000 per person
  • Must report theft within 90 days
  • Must pay for the accommodations with your credit card

The Scotiabank Gold American Express credit card provides up to $1,000 per person for any personal item stolen through visible forced entry. The hotel/motel insurance only applies when you pay for the room with your credit card. You must report the theft within 90 days in order to receive claim forms.

American Express AeroplanPlus Gold Card Insurance

American Express AeroplanPlus Gold Card


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  • Reimbursed up to $500 per person
  • 30 days to file a claim
  • Must charge full cost of hotel/motel to credit card

With the American Express AeroplanPlus Gold Card, you’re eligible to receive up to $500 per person for hotel/motel burglary insurance. In the event that you have personal items stolen from your room with visible signs of forced entry, you’re covered. You have 30 days to make a claim and you must charge the full cost of your room to your credit card in order to be covered.

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Flickr: Tim Samoff