Credit Card Hotel/Motel Burglary Insurance

Do you ever worry about leaving your personal items in your hotel room for the day unattended? Maybe you’ve had a bad experience where someone has actually broken into your room and taken your belongings. If this is the case and you’d like some added protection, you should consider a travel rewards credit card that offers hotel/motel burglary insurance.

What is hotel/motel burglary insurance?

Hotel/motel burglary insurance provides protection—while you’re checked in—for your personal belongings when left unattended in your room. You’ll be reimbursed for items that are taken up to a certain amount determined by your insurance provider.


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  • Reimbursed up to $1,000 per person
  • Must report within 90 days of the theft
  • Must pay full cost of the accommodations using your credit card

What’s covered by hotel/motel burglary insurance?

Most personal belongings that are taken in a visible forced entry burglary are eligible to be reimbursed.


What isn’t included in hotel/motel burglary insurance?

Although this is a great insurance on any travel credit card, it does have its limitations.

Some items that may be excluded from your coverage include:

  • Cash
  • Travellers cheques
  • Securities
  • Credit cards
  • Tickets and travel documents

Typically, plans won’t cover losses resulting from:

  • Misuse or abuse
  • Fraud
  • Normal wear and tear
  • Mysterious disappearance
  • Theft from a vehicle unless it’s locked and there are visible signs of forced entry
  • Flood, earthquake, or radioactive contamination
  • Hostilities of any kind (including war, invasion, terrorism, rebellion, or insurrection)
  • Nuclear reaction, nuclear radiation, or radioactive contamination, any weapon or war employing atomic fission or a radioactive force
  • Confiscation by authorities
  • Risks of contraband or illegal activity
  • Incidental and consequential damages, including bodily injury, property, punitive and exemplary damages, and legal damages

How do you make a claim for hotel/motel burglary insurance?

Contact your insurance provider as soon as possible but also note that you may need to report the incident within a set number of days. Some providers may require you to fill out a form or provide additional details surrounding the incident. Typically, you’ll be asked for the following information:


How do you make a price protection claim?

Contact your insurance provider as soon as you recognize a difference in price. You may then be asked to complete a request form, which you’ll need to complete and return within a given time period from date of purchase.

The request may include:

  • A copy of the credit card charge slip
  • The hotel/motel invoice
  • A copy of your account statement showing the cost of the hotel/motel charged to your credit card
  • The police report, if obtainable
  • Any other information reasonably required by the insurance provider
Note: If the price difference is found on an item that was a gift, the account holder must make the claim, not the recipient.

The devil’s in the details

Hotel/motel burglary insurance is an excellent feature to have on your credit card. It’s important to note what items are eligible to receive coverage and the amount you’ll be reimbursed. Always makes sure you book the accommodations using your credit card and read your provider’s insurance policy.


Ratehub.ca is not affiliated or otherwise associated with Hub International Canada.

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