Best Pet Insurance For Rottweilers: Cost, Plans & More
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As a fellow Rottweiler owner, the thought of them getting hurt or falling ill is enough to keep anyone up at night. This is why having the financial backup to protect our beloved Rotties in times of need is crucial. In this blog post, I’m excited to share a comprehensive breakdown of the costs associated with pet insurance for Rottweilers, alongside my top picks for best pet insurance providers. I’ll also provide tips on selecting the right policy for your Rottie. Plus, I’ll tackle some common questions about pet insurance for our breed, diving into breed-specific reasons why Rottweilers need pet insurance, including their likelihood of accidents and predisposition to certain health issues. This is all critical information that I think you have to know to decide if pet insurance is worth it for your furry family member. Let’s dive in together!
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Best Rottweiler Pet Insurance — At A Glance
Best Overall
Best Personalized
Best No-Cap Payouts
Healthy Paws
Great for covering major
medical or ongoing expenses.
Beneficial for high-risk breeds.
What Is Rottweiler Pet Insurance?
Pet insurance is a healthcare policy that provides coverage for your pet, offering reimbursement for specific veterinary expenses. This ensures that your savings remain secure despite unforeseen medical costs. Such a policy involves a monthly premium. Should your pet fall ill or sustain an injury, you would file a claim with the insurance company to recoup your expenses.
The monthly premium for Rottweiler pet insurance
$45 to $133
How Much Does Pet Insurance Cost For Rottweilers?
The cost of pet insurance for a Rottweiler dog will vary based on several factors, including the pet’s existing health conditions, sex, age, and the area you reside in. It’s important to remember that with the progression of veterinary technology and increased claims within your locality, your insurance premiums may rise. For example, even if your Rottweiler is quoted at $55 per month, this rate is not fixed and could change.
According to our research, plans for Rottweilers can range from $45 to $133. Depending on where you live, the deductible rate, and your chosen reimbursement percentage, you may spend more or less. Rottweiler owners can expect to pay an average $99 monthly premium.
Pet Insurance Quotes For Rottweilers
We compared quotes from renowned pet insurance providers to estimate your expected average monthly premium for different life stages in Rottweilers.
| Company | Deductible | Reimbursement | Annual Reimbursement Limit | Monthly Price | Location | Gender | Breed | Age |
|---|---|---|---|---|---|---|---|---|
| Lemonade | $500 | 70% | $100,000 | $110.82 | SC, 29044 | Male | Rottweiler | 6 years |
| Spot | $500 | 70% | Unlimited | $101.51 | SC, 29044 | Male | Rottweiler | 6 years |
| Healthy Paws | $500 | 70% | Unlimited | $132.90 | SC, 29044 | Male | Rottweiler | 6 years |
| Lemonade | $500 | 70% | $100,000 | $74.56 | CA, 95842 | Female | Rottweiler | 2 year |
| Spot | $500 | 70% | Unlimited | $102.01 | CA, 95842 | Female | Rottweiler | 2 year |
| Healthy Paws | $500 | 70% | Unlimited | $98.78 | CA, 95842 | Female | Rottweiler | 2 year |
| Lemonade | $500 | 70% | $100,000 | $45.07 | TX, 75219 | Female | Rottweiler | 6 months |
| Spot | $500 | 70% | Unlimited | $109.81 | TX, 75219 | Female | Rottweiler | 6 months |
| Healthy Paws | $500 | 70% | Unlimited | $117.70 | TX, 75219 | Female | Rottweiler | 6 months |
Rottweiler puppy monthly cost: $91
Adult Rottweiler monthly cost: $92
Senior Rottweiler monthly cost: $115
Is Pet Insurance For Rottweilers Worth it?
The decision to purchase pet insurance for your Rottweiler hinges on various factors, including your pet’s health risk proclivity, tolerance for financial risk, and overall financial circumstances.
Consider a scenario where your Rottweiler falls seriously ill or suffers an injury from an accident, incurring veterinary bills in the thousands. On average, the most common dog treatments cost $254.[1] A more severe and common condition in Rottweiler, like hip dysplasia, can cost between $1,500 and $6,000 to diagnose and treat. Can you pay for an unexpected $6,000 veterinary bill out-of-pocket? Most people can’t. The Federal Reserve states that 40% of Americans don’t have enough savings to cover a $400 emergency and 57% of U.S. adults cannot afford a $1,000 emergency expense.[2]
Investing in pet insurance for your Rottweiler is a wise choice to protect your finances and ensure your dog can receive the necessary care. With pet insurance, should an unexpected accident or illness occur, you could be reimbursed for 70% to 100% of the veterinary costs, depending on the details of your plan and provider. Pet insurance gives peace of mind, knowing your finances and pet’s health are covered.
Predict & Protect Your Rottweiler’s Future Health
Canine Bible uses years of clinical health findings, pet insurance data points, trends, and surveys to identify common health conditions in dogs. By gaining insight into your Rottweiler’s potential future health issues and risks, you can take preventive action today and ensure that your Rottweiler does not become a part of these statistics.
1 in 3
dogs will need emergency veterinary treatment every year.
$250 to $8K
is the average cost of unexpected veterinary care for dogs.[3]
60.3%
of Rottweilers have at least one disorder.
7%
of the total population of Rottweiler is obese.[4]
If you know your dog’s breed is predisposed to certain health issues, we strongly advise getting a pet insurance policy while your dog is still healthy. Chronic health conditions, emergencies, and vet visits can rack up costs throughout your Rottweiler’s life. Pet Insurance can spare you a lot of financial trouble.
Dogs that develop chronic conditions under pet insurance coverage are guaranteed reimbursement for these issues for the duration of their life.Most Common Health Conditions In Rottweilers
Cost to treat cardiomyopathy
Cancer in dogs is the abnormal growth of cells in their body, often leading to tumors. It can affect any organ, showing varied symptoms, and requires veterinary diagnosis and treatment.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat aortic stenosis
Aortic stenosis in Rottweilers is a heart condition where the aortic valve narrows, hindering blood flow from the heart. It can cause fatigue, fainting, and heart murmurs.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat hypothyroidism
Hypothyroidism is a condition where the thyroid gland underproduces hormones, leading to symptoms like lethargy, weight gain, skin issues, and fur thinning. It’s commonly treated with hormone replacement therapy.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat entropion
Entropion in Rottweilers is a condition where the eyelid rolls inward, causing eyelashes to rub against the cornea. This results in discomfort, tearing, and potential corneal damage. It’s often inherited, though can also arise from eyelid injuries or muscular spasms. Treatment typically involves surgical correction.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat hip dysplasia
Hip dysplasia involves abnormal development of the hip joint, leading to looseness and instability. This genetic disorder is exacerbated by rapid growth, obesity, and environmental factors. Symptoms include limping, difficulty in movement, and arthritis.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat osteochondrosis of the shoulder
Osteochondrosis in the shoulder of Rottweilers results from the disruption of normal cartilage growth, leading to joint inflammation and lameness. This typically occurs during rapid growth phases in young dogs, influenced by genetic and dietary factors.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat follicular dysplasia
Follicular dysplasia in dogs typically manifests as abnormal hair growth or hair loss, often with a change in hair texture. It’s usually a genetic condition, that leads to defective hair follicles. Symptoms often appear early in the dog’s life.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat elbow dysplasia
A common issue in large breeds, elbow dysplasia in Rottweilers stems from abnormal development of the elbow joint, leading to joint laxity, pain, and lameness. Genetics play a significant role, and it can be exacerbated by rapid growth during puppyhood or improper nutrition.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Cost to treat osteochondrosis of the ankle/knee
This occurs when joints’ cartilage fails to develop properly in growing dogs, often due to rapid growth, genetics, or nutrition. It leads to joint pain and lameness in affected areas.
*The overall cost of diagnosing and treating illnesses and injuries may vary. The above cost is based on average veterinary vet bill reports and claims submitted by pet insurance policyholders. We’ve used a 90% reimbursement rate for this scenario.
Why Get Pet Insurance For Rottweilers?
How to Pick The Best Rottweiler Pet Insurance
Best Pet Insurance For Rottweilers
1. Best Overall Rottweiler Pet Insurance
Lemonade
Who It’s For: Excellent for Rottweiler parents seeking the best all-around comprehensive coverage for accidents & illness at a value price.
Why we picked and recommended it: We named Lemonade our best overall pet insurance for Rottweilers for its comprehensive coverage, pricing, availability, and customer service. Lemonade premiums usually start at just $10 monthly, the lowest in the industry. We ran a few quotes for a healthy Rottweiler at a $500 deductible and 70% coverage to estimate your monthly premium. Based on our research, you can expect to pay between $45 and $111 monthly. We love that Lemonade is tech-forward, making it easy to manage your policy and file claims through an app. Their plans cover accidents and illnesses, including injuries, poisonings, broken bones, sprains, infections, general sicknesses, cancer, heart disease, hip dysplasia, hernias, skin conditions and more. They also offer several add-ons to help pet owners pay for exam fees, physical therapy, and preventive care.
2. Best Personalized Rottweiler Pet Insurance
Spot Insurance
Who It’s For: Spot Pet Insurance is ideal for Rottweiler dog owners who want the most flexibility when customizing their policy to fit their budget and coverage needs.
Why we picked and recommended it: Spot Pet Insurance offers seven annual limit options, three reimbursement levels, and five annual deductibles. They offer the lowest deductible in the industry ($100), meaning that when your Rottweiler gets sick, you pay less upfront before your plan starts paying. With so many customization options, this company is our top pick for finding a plan for meeting your specific financial needs and those of your pet. Spot’s policies also cover some items, such as exam fees and microchipping, that many other pet insurance providers don’t offer. They also have one of the cheapest plans for accident-only coverage, making it perfect for pet owners who only need minimal coverage. We ran a few quotes for a healthy Rottweiler at a $500 deductible and 70% coverage, based on our research, you can expect to pay between $101 and $110, but prices may vary depending on your location, Rottweiler’s age, and other factors. Spot covers you when your Rottweiler gets hurt unexpectedly, from tooth extractions and torn ligaments to surgery and hospitalizations.
3. Best No-Cap Payout Rottweiler Pet Insurance
Healthy Paws
Who It’s For: With no financial cap, it’s ideal for covering major medical or ongoing expenses such as chronic conditions. Beneficial for high-risk breeds such as Rottweiler.
Why we picked and recommended it: Healthy Paws offers the benefit of no cap payout, meaning there’s no maximum limit on the amount they will pay, which is particularly advantageous for severe conditions or chronic diseases that require ongoing, expensive treatments. With no financial cap, you can choose the best treatments for your pet. This can include access to advanced medical procedures, specialized surgeries, or cutting-edge treatments that might otherwise be prohibitively expensive. Additionally, Healthy Paws stands out for its quick claim processing, typically paying 99% of claims in two days, notably faster than many competitors. We ran a quote for a healthy Rottweiler at a $500 deductible with 70% coverage. Depending on your location, pet’s age, and other factors, you can expect to pay between $99 and $133. Healthy Paws insurance plans cover accidents and illnesses, cancer, emergency care, genetic conditions, alternative care, etc. They have competitive premium prices and fewer coverage exclusions.
Types of Pet Insurance Coverage For Rottweilers
There are two main types of pet insurance plans.
What Does Pet Insurance Not Cover?
When choosing pet insurance for your Rottweiler, reviewing and understanding your policy’s exclusions is important.
Exclusions vary based on the pet insurance company and the policy you choose. Be sure to review the list of exclusions before purchasing pet insurance to confirm that your Rottweiler is adequately covered by the plan you select and help prevent surprises in the future.
Pet Insurance For Rottweiler Puppies
Should you get pet insurance for your Rottweiler puppy? Here are the top reasons you should consider Rottweiler puppy insurance.
Average Cost of Rottweiler Vet Bills
This is what you will pay out-of-pocket on average if you don’t have pet insurance or a wellness plan.
Average Cost of Typical Vet Procedures
| Typical Vet Procedure | Average Cost of Procedure |
|---|---|
| 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 |
Average Cost of Emergency Vet Procedures
| Typical Vet Procedure | Average Cost Of Procedure |
|---|---|
| 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 days holspitalization | $1,500 - $3,500 |
| Wound treatment & repair | $800 - $1,500 |
| Emergency surgery | $800 - $2,500 |
| Oxygen therapy | 500 |
Sources: 5 & 6
Factors That Impact the Cost of Your Rottweiler Pet Insurance Policy
Deductibles, co-pays & coverage limits
The lower the amount you pay out of pocket for your pet’s care, the higher your insurance premium will be. For instance, selecting a deductible of $300 instead of $800 means you’ll get reimbursed quicker for your pet’s care, but it also leads to higher premium payments.
Breed
Certain breeds are prone to congenital health issues. For example, breeds such as Rottweilers often struggle with Cancer and bloat. These breed tendencies could influence your pet insurance expenses.
Location
Local veterinary care expenses are taken into account by pet insurance companies when setting the price of your policy.
Pet’s Age
Older pets generally face more health problems, which results in higher insurance premiums because there is a higher risk for the insurance company.
Understand Insurance Policy Basics
How Does Rottweilers Pet Insurance Work?
Imagine your Rottweiler’s pet insurance policy has the following terms:
Now, let’s say your Rottweiler incurs a veterinary bill of $1,000 for medical treatment.
This example assumes you haven’t yet met your deductible for the year. If you’ve already met your annual deductible, you won’t have to pay again for this or any new claims within the same policy year. And, since every claim you make contributes to your annual payout limit after the insurance company pays $720 for this claim, the remaining yearly payout limit is $15,000 – $720 = $14,280.
Frequently Asked Question
Rottweilers Pet Insurance — Conclusion
Rottweilers are a great dog breed, but they come with inherent risks. That’s why it’s essential 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. You may not need pet insurance if you can afford to pay for potential health costs out of pocket. 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.
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Disclaimer: The details about insurance company offerings, including prices, availability, and contract specifics, can change at any time and are at the discretion of the insurance company. This website does not control these changes. The information provided here is for reference only. It is important to thoroughly read and understand your policy before signing up for a new insurance contract, as your situation may differ from the examples used in this article.
Sources
Canine Bible uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process and product review methodology to learn more about how we fact-check, test products, and keep our content accurate, reliable, and trustworthy.
- Breiner, B. (2023). Average Cost of Pet Insurance: 2023 Quotes. ValuePenguin.
- Gillespie, L. (2023, February 23). Bankrate’s Annual Emergency Fund Report. Bankrate.
- Healthy Paws Pet Insurance. (2019). 2019 Cost of Pet Health Care Report.
- O’Neill, D. G., Seah, W. Y., Church, D. B., & Brodbelt, D. C. (2017). Rottweilers under primary veterinary care in the UK: demography, mortality and disorders. Canine Genetics and Epidemiology, 4(1).
- Average Cost Of Emergency Vet Visits | Find Out What You Will Pay. (2020, March 19). Emergency Vets USA.
- Cost of Owning a Dog: From Initial Cost to Annual Essentials. (n.d.). The Dog People.
Canine Bible authorship represents the unified voice of our entire editorial team and our in-house veterinarians rather than a single author. Each article, blog post, and review published under the Canine Bible name undergoes a rigorous review process, involving all team members to guarantee accuracy and up-to-date in accordance with the latest veterinarian research. This collaborative effort is an integral part of our editorial process and aligns with our four pillars of content creation. This approach ensures our content is backed by expert knowledge and factual information, offering our readers reliable, actionable, and trustworthy content.
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