Best Pet Insurance For Rottweilers: Cost, Quotes & FAQs

rottweiler pet insurance

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This is the most comprehensive guide to finding the best pet insurance for Rottweilers.

Like any other dog breed, Rotties have their own set of potential health problems and are prone to accidents. As a Rottweiler owner, you know that your dog is a part of the family, and having the financial ability to protect your pet is essential if something serious happens, and you need to go to the vet.

In this blog post, we’ll break down the cost of pet insurance for Rottweilers, top providers and give you some tips on finding the right policy for your Rotties.

We’ll also answer some common questions about pet insurance for Rottweilers and give your breed-specific reasons Rottweilers need pet insurance, accident probability, health issue predisposition, and other critical information you need to know to determine pet insurance is worth it for your pet. Let’s get started!

The Best Pet Insurance Companies For Rottweilers

Here are Canine Bible’s top 3 picks for the best pet insurance for Rottweilers.

healthy paws pet insurance
Top Pick

Best Overall

embrace pet insurance
Top Pick

Curable Pre-Existing Conditions

pets best pet insurance
Top Pick

Best Value

You can click this link to go straight to the reviews, but we encourage you to keep reading to make a more informed decision about getting pet insurance for your Rottweiler.

  1. Healthy Paws: Best overall pet insurance for your Rottweiler.
  2. Embrace Pet Insurance: Great for curable pre-existing conditions.
  3. Pets Best: Best value for your wallet.

What Is Pet Insurance?

Getting pet insurance for your Rottweilers dog is equivalent to getting health insurance for yourself. Pet Insurance is designed to reimburse dog owners for unexpected veterinary expenses and related fees, giving peace of mind and protecting your savings.

How Much Does Pet Insurance Cost For Rottweilers?

Rottweiler’s dog insurance prices will be based on your pet’s pre-existing health conditions, gender, age, location, and other factors.

Rising vet costs due to advances in technology and an increasing number of claims in the location where you live can make your monthly payment increase. For instance, if your Rottweiler is quoted at $50 per month today, that price is subject to change.

We compared quotes for plans for Rottweilers with three popular pet insurance providers to help you find the best fit for you in terms of monthly premiums and coverage.

We chose three Rottweilers at different stages in their life. An adult Rottweiler (5 years old), a young Rottweiler (1-year-old), and a puppy Rottweiler (3 months old).

Check out this Pet Insurance Comparison table for Rottweilers to learn about prices.

Pet Insurance Quotes For Rottweilers

CompanyDeductibleReimbursementAnnual Reimbursement LimitMonthly PriceLocationGenderBreedAge
Healthy Paws$50070%Unlimited$166.97Los Angeles
(zip code: 90006)
MaleRottweiler5 years
Embrace$50070%$30,000$97.37Los Angeles
(zip code: 90006)
MaleRottweiler5 years
Pets Best$50070%Unlimited$156.20Los Angeles
(zip code: 90006)
MaleRottweiler5 years
Healthy Paws$50070%Unlimited$78.78Oklahoma
(zip code: 73036)
FemaleRottweiler1 year
Embrace$50070%$30,000$76.71Oklahoma
(zip code: 73036)
FemaleRottweiler1 year
Pets Best$50070%Unlimited$40.89Oklahoma
(zip code: 73036)
FemaleRottweiler1 year
Healthy Paws$50070%Unlimited$106.10Massachusetts
(zip code: 02124)
FemaleRottweiler3 months
Embrace$50070%$30,000$115.22Massachusetts
(zip code: 02124)
FemaleRottweiler3 months
Pets Best$50070%Unlimited$55.12Massachusetts
(zip code: 02124)
FemaleRottweiler3 months

So, how much are you expected to pay for canine insurance for your Rottweiler?

If you get Pet Insurance for your Rottweiler, you can expect to pay between $41 to $167 per month. Depending on where you live, what deductible, and the reimbursement percentage you choose, you may spend more or less.

*NOTE: The quotes we ran were for dogs with no pre-existing conditions. All quotes are from February 2022.

Is Pet insurance For Rottweilers Worth it?

The cost of pet insurance may not be worth it if you have unlimited funds to cover any health issues your Rottweiler may face. But most people don’t.

You could end up spending thousands of dollars on your dog’s vet bills if it has a disease or accident. Depending on your policy, Pet insurance might reimburse you 70% to 90% of the vet bill.

Here are three main reasons you should consider getting pet insurance for your Rottweiler.

1. Avoid Deciding Between Your Wallet & Your Rottweiler

USA Today reports that many dog owners have had to make the terrible decision to euthanize their pup because they didn’t have the money to pay for surgery or treatment.1

With pet insurance, you are to seek out medical care for your sick or injured Rottweiler without worrying about financial difficulties.

On average, the most common dog treatments cost $252.75.2 While a more severe and common condition in Rottweilers, like Osteochondrosis of the Ankle/Spine, can cost $2,000 – $4,000 to diagnose and treat.

2. Accidents

According to a survey conducted by the American Pet Products Association, nearly 70% of households in the U.S. own a pet, and it’s estimated that 1 in 3 will need emergency veterinary treatment every year.

So, how does that translate to Rottweilers numbers?

According to the latest survey, there are roughly 90 million dogs in the U.S.3 So, unfortunately, 33% (1 in 3) of the Rottweilers population may end up needing emergency care.

This could lead to massive vet bills. In fact, the average cost of unexpected veterinary care for dogs is between $250 to $8,000, says Healthy Paws in a recent report.

Having a good pet insurance plan will cover the majority of the vet costs as most pet insurance policies reimburse up to 80% (some go up to 90%) of total vet expenses after deductibles.

3. Common Health Issues For Rottweilers

Don’t think you need Pet Insurance for your Rottweiler?

The following table shows Rottweilers’ most common health conditions are likely to develop. We also include the level of risk (susceptibility to each health condition) and how much you are expected to pay. This may change your mind about pet insurance after reading it.

ConditionRiskCost to Diagnose and Treat
Hip DysplasiaHigh$1,500-$6,000
Osteochondrosis of the Ankle/SpineHigh$2,000-$4,000
EntropionHigh$300-$1,500
Sub-Aortic StenosisHigh$500-$1500
Elbow DysplasiaHigh$1,500-$4,000
Osteochondrosis of the ShoulderHigh$2,000-$4,000
HypothyroidismHigh$300-$800 first year, $700 each additional year
FolliculitisMedium$500-$1,000
CancerMeidum$8000-$15000
JLLP (Juvenile Laryngeal Paralysis & Polyneuropathy)High$45-$700

Data Source: Embrace, Vetstreet and Canna-pet.

Other Reasons To Get Dog Insurance For Your Rottweiler

  • Delivers peace of mind
  • Can cover your pet’s hereditary condition
  • Avoid veterinary rising cost
  • Can help you find your missing/stolen pet
  • Can cover third-party liabilities
  • Helps you save money

PRO TIP: If you know your dog breed is prone to develop certain health issues, we highly recommend getting a pet insurance policy when your dog is still healthy. If your dog does develop chronic conditions down the road, you’re guaranteed reimbursement for these issues throughout your dog’s life.

Pet Insurance for your Rottweiler can spare you a lot of financial trouble. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Rottweiler’s life.


Best Pet Insurance For Rottweilers

Here are Canine Bible’s top picks for the best pet insurance for Rottweilers.

We’ve reviewed each company based on specific breed needs, customer reviews, affordability, and other factors to help you choose your Rottweiler’s right company and coverage.

Best Overall: Healthy Paws

Why is Healthy Paws a good choice for your Rottweiler?

There are no caps on payouts when you file a claim under a Healthy Paws insurance plan. 

A Healthy Paws insurance plan may cover accidents, illnesses, cancer, emergency care, genetic conditions, and alternative care.

They have competitive premium prices. We ran a quote for a healthy Rottweiler at a $500 deductible, with 70% coverage. Depending on your location and pet’s age and other factors, you can expect to pay between $78 and $167.

With Healthy Paws, you can start protecting your Rottweiler at just 8-weeks old. You can protect them from anything like a pesky bee sting to parvo.

Once you pay your deductible, there is no limit on the amount your policy can reimburse you. It also has fewer coverage exclusions compared to many competitors. Healthy Paws states that they pay 99% of claims in two days.


PROS
  • You can submit your claim online or via their app
  • Pet are eligible for coverage when they travel with you in the U.S. or Canada (up to 3 months)
  • BBB Rating: A+
  • Great email response time
  • Direct deposit or check reimbursement
  • No limit to how many claims you can make
CONS
  • 15-day waiting period for accident and illness
  • Doesn’t cover veterinary exam fee and behavioral therapies
  • No wellness plan
  • There is a one-time enrollment fee of $25
  • Can’t enroll pets over 4 years old in NY

Embrace Pet Insurance Review: Great For Curable Pre-Existing Conditions

If your Rottweilers suffers from a curable pre-existing condition Embrace Pet Insurance is your best choice!

Most pet insurance companies do not cover pre-existing conditions, but Embrace distinguishes between curable and incurable pre-existing conditions. They can cover curable conditions after 12 months of symptom and are treatment-free.

Based on our research, if you sign up with Embrace, you can expect to pay between $77 and $115, but prices may vary depending on your location, Rottweiler’s age, and other factors.

From tooth extractions to torn ligaments, Embrace has you covered when your Rottweiler gets hurt unexpectedly. They can also cover Hip Dysplasia treatment, which Rottweilers are prone to, as long as they were diagnosed after coverage.

Claims are addressed fairly quickly (averages 10 to 15 business days), and centers for after-hour treatment are included in emergency care coverage. 

Also, your Rottweiler’s annual deductible goes down $50 each year you don’t receive an accident or illness claim reimbursement.


PROS
  • Curable pre-existing conditions eligible for coverage
  • Reimburses for preventative veterinary care, grooming, training, and more with no per-item limits payout caps under their optional Wellness Rewards* plan
  • Coverage for exam fees
  • 24/7 PawSupport Pet Health Line to speak with a pet professional
  • BBB rating is A+
  • 10% multiple pet discounts
  • Coverage when traveling outside of the U.S. with your pet
CONS
  • $25 enrollment fee
  • $1.00 monthly transaction fee
  • Requires a 2-day waiting period for accidents
  • Must call for unlimited claim option

*Wellness Rewards not available in Rhode Island.


Best Value: Pets Best Review

Pets Best offers great pet insurance coverage for your Rottweiler, but that’s also affordable.

To give you an estimate of your monthly premium, we ran a few quotes for a healthy Rottweiler at a $500 deductible and a 70%, 80%, and 90% coverage. Based on our research, you can expect to pay between $41 and $156, depending on your location, pet’s age, gender, and other factors.

This company has no upper age limit so that you can enroll your aging Rottweiler in a plan no matter their age. Keep in mind that rates go up depending on your pet’s age.

Their plans cover emergencies, cancer, illnesses, and other situations your senior dog may encounter. It even includes access to a 24/7 Pet Helpline so you can speak with a veterinarian any time.

It typically has a reasonable claim repayment time of 2 days if you have a direct deposit. If you don’t, it will take between 5-7 days.


PROS
  • Most affordable coverage pricing
  • BBB Rating: A+
  • 24/7 Pet Helpline to speak with a vet expert
  • Pet travel is covered in the U.S., Canada, and Puerto Rico
  • 30-day money-back guarantee
  • Routine care coverage
  • 5% multi-pet discount
  • No age limits
  • Accident and illness exam fee coverage
CONS
  • 14-day waiting period for illness and 3 days for Accident
  • Premiums increase as pet ages
  • 6-month waiting period for CCL injuries
  • Average claim repayment is longer than the competition

Average Cost of Rottweilers Vet Bills (Healthy Vet Visit vs Emergencies)

When you think about vet bills, two things come to mind: regular vet visit cost vs. emergency visit costs.

Based on the table below, you can get a good idea of how much you’ll pay for either type of visit when you don’t have pet insurance or a wellness plan.

Healthy Vet Visits

  • Puppy vaccinations: $75-100
  • Flea & tick prevention: $40-200
  • Heartworm prevention: $24-120
  • Spay or neuter surgery: $200-800
  • Annual exam: $240-600
  • Teeth cleaning: $200-500
  • Microchip: $40

Emergency Vet Visits

  • General consultation/exam: $100-$150
  • General bloodwork: $80-200
  • X-rays: $150-$250
  • Ultrasound: $300-$600
  • 1-2 day hospitalization: $600-$1,700
  • 3-5 day hospitalization: $1,500-$3,500
  • Wound treatment & repair: $800-$1,500
  • Emergency surgery: $800-$2,500
  • Oxygen therapy: $500

Sources: Emergency Vets USA & Rover

Pet Insurance For Rottweilers Puppy

Should you get pet insurance for your Rottweiler puppy? Here are the top reasons you should consider Rottweiler puppy insurance.

  • Lower Premiums. Younger pets are cheaper to insure than their older counterparts. Because pet insurance rates are based on age, breed and location, your premium is lower with puppies.
  • Covering Future Conditions. If you know your dog breed is presdisposed to certain health issues, it’s best to insure your puppy before he shoes shows any symptoms or is diagnosed with an illness or issue. Most pet insurance provides won’t cover pre-existing conditions. However, if your puppy develops one (i.e. cancer, allergies, diabetis) when insured, your pet insurance company will cover the cost and any future expenses.
  • Puppies Get In Trouble. Rottweilers puppies will eat, chew and lick pretty much anything. They are more prone to suffer from accidents and bacteria, virus infection.
  • Puppy Vet Bills. When you get a puppy for the first time, there are a lot of expenses associated with rasing a puppy. From toys, food to vet-related expenses. In fact, 81% of pet parents spend up to $500 on vet visits in the first year of having a puppy. While, the upfront costs for first-year pet ownership typically cost over $1,000 says the ASPCA.

Types of Pet Insurance Coverage

What does pet insurance cover? It depends on your plan. There are two main types of pet insurance plans.

Accident Plans: Covers accident-related medical care such as ingestion of foreign objects, poisoning, or if your Rottweiler was hit by a car.

Illness Plans: Coves unexpected sickness, disease, and any changes to your dog’s normal healthy state (i.e., allergies and cancer)

You can sign up for 1 or 2, or both but this will mostly depend on your Rottweiler needs and finances. Most pet insurance companies nowadays offer a single plan that includes accident and illness.

In addition to that, pet insurance providers also offer wellness plans, also known as “routine” or “preventative.” care plans. It covers most routine vet visits, such as vaccinations. A wellness plan is not pet insurance.

Take a look at the table below to see the most common items covered by each type of coverage.


Accident CoverageIllness CoverageWellness Coverage
Broken bonesObesityFlea, tick and worm treatments
Torn ligamentsUTIsRabies
Bite woundsCancerMicrochip
PoisoningHypothyroidism
De-worming
InjuriesDigestive Issues
teeth cleaning
EmergenciesIVDD
Routine testing
Eye InjuriesVomiting and diarrheaAnnual exams
Snake BiteArthritisSpay and neuter
Toxin food ingestionParasitesUrinalysis (ERD)

*i. Not all pet insurance companies offer wellness plans. ii. Coverage items will depend and vary depending on the company and plan you choose.

What Does Pet Insurance Not Cover?

Pet insurance doesn’t cover it all!

You should carefully review the different plans before selecting Pet Insurance for your Rottweiler to determine what is and isn’t covered.

Most pet insurance policies exclude the following:

  • Grooming
  • Pre-existing conditions
  • Unrelated veterinary services
  • Behavioral training, therapy or treatment 
  • Breeding and pregnancy
  • Dog food or dietary or nutritional supplements
  • Boarding and transportation

This exclusion will vary depending on which pet insurance company and plan you choose.

Pro Tip: Please always READ your policy! Request the full list of exclusions before getting pet insurance. This will ensure your Rottweiler is fully covered by the plan you pick and help you avoid running into surprises down the road.

How Do I Pick The Right Dog Insurance For My Rottweiler?

Here are eight tips to help you choose the best pet insurance policy for your Rottweiler.

  1. Compare the coverage under each plan with your Rottweiler’s specific health concerns.
  2. Research what illnesses are prevalent in your dog’s breed and pick your plan accordingly (Use our table above for the most common Rottweilers health issues).
  3. Speak with your veterinarian about your dog’s aging health concerns.
  4. Pick a plan based on the right cost and coverage benefits, not price alone.
  5. Obtain at least three quotes based on the information you provide about your Rottweiler’s age, health, gender, and needs.
  6. The earlier you sign your Rottweiler for pet insurance, typically means lower the monthly premiums.
  7. Evaluate and pick the monthly premium, deductibles, and reimbursement amount that best fits your needs.
  8. Narrow down your choices with our recommended top 3 providers.

Should I Get Rottweilers Pet Insurance?

Rottweilers are a great dog breed, but they come with some inherent risks. That’s why it’s important to have pet insurance for your Rottweiler. By choosing the right policy and provider, you can rest assured that your furry friend will be taken care of in case of an accident or illness.

All in all, whether or not you should get Rottweiler pet insurance depends on your circumstances. If you can afford to pay for potential health costs out of pocket, you may not need pet insurance. However, if you’re on a tight budget or are worried about being able to cover expensive vet bills, pet insurance is a wise investment for your Rottweiler.

If you’re still on the fence about pet insurance, hopefully, this guide has helped sway you in the correct direction.


Resources & References: [1] USA Today, [2] Value Penguin, [3] Washington Post

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