I was bitten by a stray dog outside my hotel and I didn't have travel insurance. Is the resort responsible for my medical bills?

I was bitten by a stray dog outside my hotel and I didn't have travel insurance. Is the resort responsible for my medical bills?


February 19, 2026 | Marlon Wright

I was bitten by a stray dog outside my hotel and I didn't have travel insurance. Is the resort responsible for my medical bills?


Dog Bites at Hotel - IntroAntoni Shkraba Studio, Pexels, Modified

Vacations are supposed to be relaxing getaways from everyday stress, not opportunities for unexpected injuries that lead to emergency room visits and complicated insurance claims. When something goes wrong at a place where you're paying to stay, it's natural to wonder who should cover the costs of treatment and recovery. The question of liability becomes even murkier, depending on the jurisdiction, when the incident involves an animal that doesn't belong to anyone and happened just outside the property boundaries. Understanding the legal framework around premises liability and how it applies to hotels and resorts can make a significant difference in whether someone faces steep medical expenses personally or receives fair compensation for an injury.

When Properties Have A Duty To Keep Guests Safe

Hotels and resorts operate under premises liability laws, which essentially mean they have a legal obligation to maintain safe conditions for their guests. This duty doesn't end at the front door or lobby entrance. In many US jurisdictions, courts recognize that hotel responsibility extends to parking lots, walkways, outdoor dining areas, pools, and other spaces that guests would naturally use as part of their stay. The key concept here is "reasonable care," meaning property owners need to address known hazards and regularly inspect their grounds for potential dangers. If management is aware that stray dogs frequently roam the property and pose a threat to guests, they're expected to take appropriate action to minimize that risk.

However, there's a critical distinction between what's on the property versus what happens on public streets or neighboring areas. A dog bite that occurs on a public sidewalk adjacent to the hotel presents a different legal situation than one happening in the hotel courtyard or parking lot. Property owners can't reasonably be held responsible for every hazard that exists in the surrounding neighborhood, especially things they don't control. That said, if the hotel actively encourages guests to walk through certain areas, provides maps or directions that lead through spaces where dangerous conditions exist, or fails to warn about known risks nearby, liability could potentially extend beyond the strict property lines, governed by state law.

the front of a hotel with a red and white roofAdrian Hernandez, Unsplash

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Building A Case For Coverage

Determining whether a resort should pay medical bills requires examining several factors that establish negligence. First, documentation becomes absolutely crucial. Photos of where the incident occurred, witness statements from other guests or staff members, and immediate reporting to hotel management all create an official record. Many people hesitate to make a formal complaint while they're still staying at the property, but notifying management right away protects legal rights and ensures the incident gets documented in the hotel's records. Getting contact information from anyone who saw what happened can prove invaluable later if the case goes to court or insurance negotiations.

Second, investigating the property's history with similar incidents matters significantly. If this isn't the first time a guest has been bitten by stray dogs on or near the premises, it demonstrates that management knew about an ongoing problem and failed to address it properly. Hotels are required to maintain incident logs, and attorneys can request these records during legal proceedings. Evidence that the resort received previous complaints about aggressive animals but took no preventive measures strengthens the argument for their liability. Additionally, checking whether the property provides adequate lighting, fencing, or security in areas where guests walk can show whether they've taken reasonable precautions to protect visitors.

Moving Forward After An Injury

Anyone bitten by a dog while staying at a hotel should seek immediate medical attention, regardless of how minor the wound appears. Dog bites carry serious infection risks, and rabies remains a concern with stray animals. Keeping all medical records, bills, and documentation of treatments creates the evidence needed for insurance claims or potential lawsuits. Contacting the hotel's management to file an official complaint starts the paper trail, even if they initially deny responsibility. Most resorts carry liability insurance specifically for guest injuries, and their insurance company will investigate the claim. Seeking guidance from a premises liability attorney also helps determine if compensation is a viable option.

Doctor checks patient's blood pressure with stethoscope.Vitaly Gariev, Unsplash

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