Best Pet Insurance For Rottweilers (2023)

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Easy to spot by its all-black coat with defined tan markings, the Rottweiler descends from drover dogs once used by the Roman legion to herd and guard cattle into the German town of Rottweil during their crusade of Europe. 

Like other purebred dogs, Rotties are prone to a host of congenital health conditions, namely affecting their bones, joints, and eyes. Because orthopedic and degenerative joint issues are among the most expensive canine conditions to treat, pet insurance can save you from debilitating pet debt should your dog ever need emergency vet care.  

In this guide, we’ll highlight the best pet insurance for Rottweilers by digging into the following questions:

  • Why is pet insurance for Rottweilers important?
  • How much does pet insurance for Rottweilers cost?
  • What are our top recommendations for Rottweiler pet insurance?
  • Is pet insurance for Rottweilers worth it? 

Best Overall

spot pet insurance logo

OUR RATING: 4.9/5

         ✔️ No Upper age limits

         ✔️ 30-day money-back guarantee

         ✔️ Offers comprehensive wellness plans

Most Affordable

Lemonade Pet Insurance Logo

OUR RATING: 4.8/5

         ✔️  Completely online experience

         ✔️  8-hour wait period for accidents

         ✔️  5% discount for multiple pets

Best for Chronic Conditions

Healthy Paws Pet Insurance

OUR RATING: 4.7/5

          ✔️  Fast claims process

          ✔️  30-day money-back guarantee

          ✔️  Unlimited annual and lifetime                                    coverage

 

Our Top 3 Picks for Rottweiler Pet Insurance

Spot Lemonade  Embrace
Quote Visit Site Visit Site Visit Site
Our Score 4.9/5 4.8/5 4.7/5
Deductible $100 to $1,000 $100 to $500 $200 to $1,000
Average Monthly Cost for Rottweilers $50 to $80 $40 $40 to $60
Multi-pet Discount 10% 5% 10%
Wellness Add-on Yes Yes Yes
BBB Rating A F A+

Why Is Pet Insurance For Rottweilers Important?

Though the Rottweiler’s sturdy, athletic build is what makes it so cut out for jobs like herding and guarding, its big-boned physique also ties into the number of musculoskeletal problems prevalent in this breed. 

Because hip dysplasia is one of the most common orthopedic issues seen in Rottweilers, we recommend having your pup undergo a PennHip or OFA screening for hip laxity, one of the earliest signs of hip dysplasia.  

Other congenital bone and joint problems that frequently affect Rottweilers include elbow dysplasia, osteochondrosis (OC), panosteitis, luxating patella, and cruciate ligament injuries. 

Bred from a long lineage of working dogs, Rottweilers need regular exercise to maintain a healthy weight. As big dogs with big appetites, Rotties are known to be rather food motivated and can easily develop gastric bloat if they’re allowed to eat too quickly. 

Rottweilers are also prone to obesity which can place excess stress on their joints, bones, and heart. Cardiac issues like subaortic stenosis and dilated cardiomyopathy are something you’ll want to have your Rottie screened for as well. 

Eye problems like progressive retinal atrophy (PRA), cataracts, and entropion are also common in this breed. 

Emily Shiver, our in-house veterinary advisor, provided us with a few general price points for what uninsured Rottweiler owners should expect to pay in full if any congenital conditions were to affect their dogs:

Injury/Illness Estimated Expense
Hip dysplasia $3,500 to $7,000 per hip 
Elbow dysplasia $1,500 to $4,000 per elbow
Knee and shoulder osteochondrosis $2,000 to $4,000 per joint; $150 to $200 to manage symptoms
Gastric bloat $3,000 to $8,000 for treatment, including a surgical gastropexy 
Subaortic stenosis $300 to $600 per echocardiogram for diagnosis and follow-up; $5,000 to $7,000 for surgery
Entropion $1,500 to $4,000 per lid repair
Cataracts $3,000 to $4,000

How Much Does Pet Insurance for Rottweilers Cost? 

On average, Rottweiler insurance costs around $45 to $80 per month. When you generate a custom pet insurance quote, the made-to-order premium you’ll receive will take your Rottie’s age and geographic location into account.

Like other pedigree dog breeds, Rottweilers will be slightly more expensive to insure because they’re more genetically predisposed to congenital conditions than mixed breeds. Older dogs will also cost more to insure than younger ones because they’re more likely to fall ill or get injured due to their naturally declining health. 

Another factor that’ll influence your premium is your residential ZIP code. Most pet insurance providers base your monthly premium relative to vet costs in the city nearest you.

So, if you live in an area where the cost of living is high, like a city or urban setting, the amount you’ll pay per month for pet health insurance will likely be on the higher end of the price gamut. 

Here’s how an accident and illness policy for a Rottweiler might vary in price across different regions nationwide:

State Estimated Cost
California $45.96
Florida $66.81
Indiana $71.96
New York $58.92

*These estimates are based on standard accident and illness pet insurance coverage with a $4,000 annual limit, an 80% reimbursement rate, and an annual deductible of $250 for a 2-year-old alias Rottweiler living in the capital city of each featured state. Prices are subject to change. 

Best Pet Insurance for Rottweilers

The following five pet insurance companies mentioned in this review are among the most premier in the industry, yet that doesn’t necessarily mean each will be a feasible option for you and your Rottie. 

If you come across a provider that piques your interest, we highly recommend generating a custom quote with your dog’s information. 

Spot for Rottweilers 

Spot’s standard pet insurance policies cover a broad range of emergency illness and injury-related expenses, including diagnostics, medical imaging, inpatient and outpatient emergency care, surgery, prescription medications, etc. 

We recommend this provider for Rottweilers because of its comprehensive coverage for congenital conditions and also because it includes alternative therapies like acupuncture, chiropractic care, physiotherapy, hydrotherapy, etc. These holistic treatment options can be especially valuable for relieving joint pain and restoring the range of motion in Rotties affected by orthopedic health problems. 

Spot offers optional support for predictable pet healthcare expenses for a few extra bucks per month. Customers can choose from two incremental levels of wellness coverage: the Basic Preventative plan ($9.95 per month and up to $250 in benefits) or the Platinum Preventative plan ($24.95 per month and up to $450 in benefits). 

Pros and Cons

Pros

  • Covers exam fees, microchipping, and behavioral therapy in standard plan
  • Doesn’t have age limits on older pets
  • Offers an unlimited annual payout option

Cons

  • Has a longer than average 14-day waiting period for accidents
  • Bilateral exclusions may apply

Read more about Spot’s coverage in our full Spot pet insurance review

Lemonade for Rottweilers

Even Lemonade’s base plan is comprehensive, covering accidents and illnesses for cost-effective monthly premiums that start as low as $10 per month. Like any other provider, the amount you’ll pay per month for your Rottweiler will depend on vet costs in your city and your pup’s age at enrollment. 

Lemonade doesn’t cover dogs over the age of 14 and may even deny coverage to Rottweilers younger than 14 due to their average life expectancy of 8 to 10 years. Rotties are commonly seen with docked tails, but Lemonade won’t cover controversial elective procedures like this, nor will it cover ear cropping. 

When you enroll in a Lemonade policy, you’ll also have access to three tiers of wellness care — two packages for adult dogs and one specifically for Rottweiler puppies. By tacking preventative care onto your plan, you’ll be partially reimbursed for things like annual wellness exams, fecal exams, heartworm tests, routine vaccines, and more.

Pros and Cons

Pros

  • Offers some of the lowest monthly rates in the pet insurance industry
  • Covers up to $100,000 in approved emergency expenses
  • Has vet visit fee and physical therapy coverage available for an extra $1 to $3 per month

Cons

  • Won’t cover dental illnesses or behavioral therapy
  • Only currently available in 36 states and Washington, D.C. 

For more information on Lemonade’s policy framework, visit our complete Lemonade pet insurance review

Embrace for Rottweilers 

Embrace has quite a few policy perks that you won’t find with any other provider, including its diminishing deductible feature and a non-insurance Wellness Rewards program.

Every year that a pet parent keeps an active Embrace accident-only or accident and illness policy but doesn’t need to file a claim, they’ll be rewarded with a $50 reduction in their annual deductible. 

Embrace also operates under a few relatively flexible exclusions. For one, this provider distinguishes between curable and incurable conditions, offering coverage for pre-existing conditions deemed curable after your dog has been asymptomatic and treatment-free for 12 consecutive months. 

Moreover, Embrace upholds upper age limits for its accident and illness policy, but senior dogs will never be denied total coverage based on how old they are. If you have a Rottweiler that’s 14 or older, you won’t be able to enroll in Embrace’s accident and illness coverage, but you’re still eligible for accident-only coverage.

Pros and Cons

Pros

  • Most claims are settled within an average of 15 days
  • Non-insurance Wellness Rewards cover 100% of routine care expenses within your selected allowance level
  • Includes a free medical history review for all new members

Cons

  • Annual coverage limit for accident-only is capped at only $5,000 
  • Six-month waiting period for orthopedic conditions like hip and elbow dysplasia

 Read on about Embrace and its benefits in our Embrace pet insurance review

Healthy Paws for Rottweilers

Because Rottweilers can quickly rack up hefty vet bills because of all their hereditary health issues, Healthy Paws is a great option for managing emergency expenses, thanks to its direct vet payment option.  

With Healthy Paws, if you were ever to get stuck with an invoice that is far more than what you can afford to pay out of pocket, Healthy Paws can override the traditional reimbursement process by compensating any licensed veterinarian directly. Also, Healthy Paws offers unlimited annual coverage for all policyholders, so you’ll never have to worry about maxing out your payout benefits.

One caveat for Rottie owners considering a Healthy Paws policy is that this provider doesn’t cover preventative care costs. Also, if you have a dog over the age of 6, it won’t be eligible for hip dysplasia coverage.  

Pros and Cons

Pros

  • Most submitted claims are processed within two days
  • Doesn’t have per-incident, annual, or lifetime maximums
  • Includes alternative therapy coverage 

Cons

  • Reimbursement rates are narrower for senior dogs than younger ones
  • One-time $25 administrative fee

Continue learning about this provider in our full-length Healthy Paws pet insurance review

ASPCA for Rottweilers 

ASPCA offers practical accident-only and accident and illness policies with coverage options that can be reworked to accommodate the healthcare needs of your Rottweiler. ASPCA’s pet insurance is comprehensive right off the bat as it includes behavioral therapy, microchip implantation, exam fees, and alternative therapy coverage in both of its standard policies. 

We love that ASPCA doesn’t have specific waiting periods for orthopedic conditions. Rottweiler owners will have access to coverage for costly conditions like hip dysplasia, IVDD, osteochondrosis, and more in just 14 days. 

For those who wish to take their coverage to the next level, ASPCA has two optional wellness plans — Basic and Prime — which cover preventative care expenses like annual checkups, dental cleanings, spay/neuter, parasite prevention, vaccinations, and routine diagnostics. You can add the Basic package to your plan for $9.95 per month or the Prime package for $24.95 per month. 

Pros and Cons

Pros

  • No lengthy waiting periods for orthopedic conditions like most competing providers
  • Offers a multi-pet discount of 10%
  • Includes a members-only 24/7 medical advice chatline

Cons

  • Maximum annual coverage benefits max out at only $10,000
  • Claims can take up to 30 days to be processed

Head over to the full version of our ASPCA pet insurance review for more details. 

Is Pet Insurance For Rottweilers Worth it?

According to a study done by Lending Tree, 6 in 10 pet owners have had to financially grapple with more than one emergency veterinary expense in their pets’ lifetimes. And given the long list of health risks affecting Rottweilers, it’s not far-fetched that Rottie owners will be affected by an unexpected vet bill or two.

Accidents happen no matter how careful you are with your dog. Responsible pet ownership begins with taking accountability for the unexpected before it strikes. It begins with securing the right pet insurance policy, so your Rottie’s access to potentially life-saving medical care is never on the line.  

Final Thoughts 

Rottie or not, when considering pet insurance for their animals, most pet owners are held back by the possibility that they might end up shelling out $30 or $40 a month without ever actually having to file a claim. 

First off, pet insurance is never something that we hope you’ll have to use, but given that one in three domestic pets need emergency vet care each year, there’s a good chance you’ll put your policy to use at some point. And with vet costs on the rise, you’ll be happy to have had it in your back pocket. 

As you sift through different providers and plans, remember that finding the best pet insurance for Rottweilers isn’t about breaking even. Instead, think of dog insurance as a way to pay a little at a time in order to avoid forking over everything you have (or don’t have) should the unimaginable happen. 

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.