Best Pet Insurance For Rottweilers In July, 2024

In my professional opinion, Healthy Paws offers the best pet insurance for Rottweilers.

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Updated: 08 May 2024
Written by Bob Phillips
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If you have a Rottweiler, you probably worry about keeping them healthy. Since they are a pure breed, they might have more health problems than mixed-breed dogs. Sadly, most pet owners can’t afford an unexpected $500 vet bill. But pet insurance can help lower the financial burden.

In this review, we’ll talk about some of the best pet insurance companies for Rottweilers and help you choose the right plan. Pet insurance is similar to human health insurance; it gives you more options for treatment and helps with costs. And it’s usually affordable, unlike some health insurance plans.

Best Pet Insurance Companies For Rottweilers, 2024

Different pet insurance companies for Rottweilers are the same in many ways in that they will help ensure your pet is cared for and that your financial risk is limited, but they’re also different in some ways. So while one company may be best for your neighbor’s pet, another may be better for yours.

Here’s our breakdown of the best pet insurance companies for Rottweilers:

Best Pet Insurance, Rottweilers 2024

Compare The Best Pet Insurance Companies For Rottweilers

As you can see from our breakdown of the best pet insurance companies for Rottweilers shown above, many high-quality companies are vying for the top spots. You can also see that each has its own particular strengths. Here’s a snapshot to give you a glance into each insurer:

Overall Rating Best For Waiting Period Reimbursement % Benefit Limit Get A Quote
Healthy Paws


15 days accident/illness


Unlimited annual and lifetime

Instant Quote


2 days accident, 14 days illness


$5,000 to $100,000 annually

Instant Quote


15 days accident/illness

70%or 80%
(most states)

unlimited annual and lifetime

Instant Quote

Older dogs

14 days accidents/illness


$10,000 , $20,000 or unlimited

Instant Quote

Multiple pets

14 days accidents/illness


$2,500 to unlimited

Instant Quote
Scroll to see comparisons

Our Methodology

Opinions and subsequent ratings were based on reviewing each insurer's website, customer reviews, other review sites, and personal experience having purchased and used pet insurance in the past.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours

Reviews Of The Best Rottweiler Insurance Companies

Best Overall

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
10/10 Claims
10/10 Coverage Level

Why We Like Them

Healthy Paws stands out as a top pet insurance choice because it doesn’t set limits on claim payouts, per-incident maximums, or caps. Although it might cost more, it’s valuable to avoid having to make tough decisions about your pet’s health because of insurance limits.

Healthy Paws offers a straightforward policy with no expensive extras and allows you to visit any licensed vet. Filing claims is easy through their mobile app or website, and most claims are processed within two days.

Benefits & Drawbacks

  • No maximum annual or lifetime payouts
  • Most claims processed within two days
  • 30-day money-back guarantee
  • Direct vet payments may be possible
  • No routine wellness option

Runner-Up For Best Overall

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage Level

Why We Like Them

We found Lemonade to offer the most affordable pet insurance for Rottweilers. While its coverage limits are similar to other companies we looked at, they aren’t unlimited like Healthy Paws. Lemonade’s coverage ranges from $5,000 to $100,000 per year, and the premium increases with the limit you choose.

Their standard policy covers accidents and illnesses such as cancer, heart disease, skin conditions, fractures, and hip dysplasia, which is common in older Rottweilers. Like many insurers, Lemonade doesn’t cover preexisting conditions, dental problems, behavioral issues, or elective treatments.

Benefits & Drawbacks

  • Optional wellness plan available
  • Accident waiting coverage period of only two days
  • You get a 10% discount by bundling pet insurance with home, renters, or car insurance you have with Lemonade
  • No 24/7 pet telehealth line
  • Coverage for vet exam fees has to be added for an extra cost
  • No coverage for prescription food or microchipping

Best For Puppies

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage Level

Why We Like Them

ManyPets offers excellent coverage for puppies, including Rottweilers. Rates aren’t affected by pre-existing conditions, cured conditions may be covered after 18 months, and unrelated conditions are still eligible for coverage.

Just like any young dog, young Rottweilers can experience issues such as poisoning, swallowing foreign objects, and accidents due to their energetic nature. Insuring them at a young age significantly reduces the chance of encountering exclusions for pre-existing conditions as they grow older.

Benefits & Drawbacks

  • Available in more than 40 states
  • Covers vet exam fees for illness and accident visits
  • Offers optional wellness plans
  • No 24/7 pet telehealth line
  • Doesn’t cover pet behavioral therapy
  • No coverage for alternative therapies

Best For Older Dogs

Overall Rating

Key Statistics

10/10 Affordability
9/10 Customer Satisfaction
9/10 Claims
8/10 Coverage Level

Why We Like Them

As Rottweilers get older, they can develop genetic illnesses like cruciate ligament issues and hip dysplasia, which often require expensive treatments. Pumpkin stands out because it doesn’t have a waiting period for these conditions and covers veterinarian exam fees if you need to take your older Rottweiler in for treatment.

Pumpkin offers various coverage options for the various problems Rottweilers may face, including surgeries and dental issues. You can choose from three different deductibles, and they typically reimburse 90% of eligible expenses.

Benefits & Drawbacks

  • Optional wellness plan available
  • Discounts for insuring multiple pets
  • 90% reimbursement for dogs and cats 8 weeks and older
  • No accident-only plan is available
  • No 24/7 pet telehealth line

Best For Multiple Pets

Overall Rating

Key Statistics

9/10 Affordability
9/10 Customer Satisfaction
8/10 Claims
10/10 Coverage Level

Why We Like Them

Many Rottweiler owners have multiple pets because Rotties are very friendly dogs. Spot recognizes this and offers a 10% discount for insuring more than one pet with them, which can lead to significant savings.

Spot’s optional preventive care plan covers wellness services like one annual vet visit, a fecal test, and teeth cleaning. They also cover some vaccinations.

If you’re not happy with the coverage or service, Spot offers a 30-day money-back guarantee. They reimburse up to 90% on eligible vet bills and provide access to a 24/7 vet helpline. You can also visit any licensed veterinarian or specialist in the United States.

Benefits & Drawbacks

  • Covers microchipping
  • Low $100 deductible is available
  • Has a 24/7 pet telehealth line
  • Accidents have a 14-day waiting period, compared to 2 days with some top competitors

Average Cost Of Pet Insurance For Rottweilers

Company Deductible Annual Reimbursement % Monthly Price Age of Dog
Healthy Paws $500 70% $70.30 5 year old
Lemonade $500 70% $40.00 5 year old
Spot $500 70% $73.34 5 year old
Healthy Paws $500 80% $36.52 1 year old
Lemonade $500 80% $20.67 1 year old
Spot $500 80% $53.80 1 year old
Healthy Paws $500 70% $37.64 3 month old
Lemonade $500 70% $29.13 3 month old
Spot $500 70% $83.12 3 month old

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

Emergency Pet 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 day hospitalization $1,500-$3,500
Wound treatment & repair $800-$1,500
Emergency surgery $800-$2,500
Oxygen therapy $500

Is Pet Insurance Worth It For Rottweilers?

Pet insurance is essential for protecting your furry friend from unexpected veterinary expenses. While many pet owners pay for their pet’s medical needs themselves, most Americans can’t handle a $1500 vet bill in an emergency.

The right pet insurance can truly save your pet’s life. With coverage, you can make medical decisions based on your pet’s well-being, not your finances.

The value of pet insurance depends on what you expect from it. If your pet is already being treated for a chronic condition and you want help with the costs, you might be disappointed because no company in our review covers pre-existing conditions.

However, if you understand your policy and what it covers, and if it fits your budget and needs, you’ll likely find the policy worthwhile.

Common Health Issues For Rottweilers

Rottweilers, like many purebred dogs, often encounter health issues due to historical breeding practices that didn’t prioritize genetics. This neglect has led to widespread problems within the Rottweiler community, making them more susceptible to genetic health issues compared to other breeds.

Common health concerns for Rottweilers include:

  • Hip dysplasia
  • Elbow dysplasia
  • Aortic stenosis
  • Osteosarcoma (bone cancer)
  • Bloat (gastric torsion)
  • Allergies
  • Hypothyroidism.

Hip dysplasia

Hip dysplasia, a prevalent orthopedic ailment in larger breeds, stems from abnormal hip joint development, causing arthritis and discomfort. Treatment options vary from medication to surgical procedures like total hip replacement, which can be very costly, often exceeding $4,000 per hip.

Elbow dysplasia

Elbow dysplasia, another orthopedic issue, manifests as lameness and pain, impacting a dog’s mobility. Treatment options include medication or various surgeries, with costs ranging from $1,500 to $4,000 per elbow.

Aortic stenosis

Aortic stenosis affects the heart, leading to restricted blood flow and reduced quality of life. Treatment can involve medication or surgery, with costs ranging from $2,000 to $5,000.


Osteosarcoma, a malignant bone tumor, requires surgery followed by chemotherapy or radiation therapy, with costs ranging from $5,000 to $20,000 or more.


Bloat, a life-threatening condition, necessitates emergency surgery, costing between $1,500 to $7,500.


Allergies and hypothyroidism also require ongoing management, with costs varying based on severity and treatment.

In summary, addressing these health issues in Rottweilers can be financially demanding, emphasizing the importance of pet insurance or financial planning to cover potential medical expenses.

How To Find The Best Pet Insurance Company For You

Finding the right pet insurance company can be daunting given the range of plans and costs available. To select the best option for your pet, consider the following steps:

Check Eligibility

Ensure your pet meets the age requirements, typically around 6 to 10 weeks for puppies and kittens. Some insurers may not accept older pets for new enrollments or limit coverage to accidents only. Once enrolled, most plans offer lifelong coverage with consistent premium payments.

Research Coverage

Understand what expenses are covered under each plan. While most cover surgeries, hospitalization, and medications for illness or injury, some may charge extra or exclude certain treatments like exam fees, alternative therapies, behavioral treatments, prescription food, or dental care.

Decide Coverage Level

Determine how much coverage you need based on your pet’s health and potential vet expenses. While routine care may not require much coverage, unexpected surgeries or illnesses could incur significant costs. Consider annual payout limits and choose a level that provides peace of mind.

Understand Reimbursements and Deductibles

Know how much of your vet bill will be reimbursed and select a reimbursement percentage that suits you, typically 70%, 80%, or 90%. Understand deductibles, the amount you pay before the policy pays, and choose one that aligns with your budget and needs.

Check Waiting Periods

Be aware of waiting periods after purchasing a policy, especially for specific conditions like cruciate ligament injuries. Understand the waiting period before coverage kicks in to avoid unexpected expenses.

Examine Additional Costs

Some insurers offer coverage for routine services like vaccinations and wellness check-ups. Compare the cost of these add-ons with what you’d pay out of pocket to ensure it’s worth the extra expense.

Compare Quotes

Obtain quotes from multiple insurers to find the best value for your pet’s needs. Consider discounts for insuring multiple pets but ensure you’re comparing plans with similar coverage, deductibles, and reimbursement limits to make an informed decision.

Factors That Impact Cost Of Your Pet Insurance Policy

Various factors influence the cost of your pet insurance policy, similar to how your health insurance plan operates. These factors include:

  • Location: The price of your pet insurance can be affected by where you live. Insurers consider the local cost of veterinary care when determining your policy’s cost.
  • Pet’s Age: Older pets tend to have more health issues, resulting in higher premiums compared to younger animals.
  • Pet’s Breed: Certain breeds are predisposed to specific health problems. For instance, breeds like bulldogs and Boston terriers commonly face breathing difficulties, while larger breeds like German Shepherds are more prone to hip dysplasia. These breed-related health risks can influence the cost of your pet insurance coverage.
  • Deductibles, Coinsurance, and Coverage Limits: The amount you’re willing to pay upfront for your pet’s medical expenses affects your insurance premium. Opting for a lower deductible means quicker reimbursements for your pet’s care but results in higher premiums. Conversely, choosing a higher deductible reduces your premium but requires you to cover more of your pet’s medical costs out of pocket.

Information About Rottweilers

Rottweilers are well-known for their big size and protective instincts. They have a long history as working dogs, originally from Germany. They are good at tasks like herding and guarding. Rottweilers have a strong body and a black and tan coat, which makes them look powerful.

These dogs are loyal and confident. They do best in homes where they can get lots of exercise and mental challenges. While they are protective, it’s important to train them well so they are polite and not aggressive. Rottweilers bond closely with their families and are often loving and fun pets.



Is pet insurance cheaper for purebred dogs?  

Because purebreds are more likely to have a genetic predisposition to costly diseases and conditions, they are likely to cost more to insure than mixed-breed dogs.

What is the average cost of owning a Rottweiler?  

First-year costs are about $3,000 for vaccinations, food, grooming, and insurance, but the price drops to around $1,900 for each year after.

What insurance do you need for a dog?  

A dog should have some level of pet insurance so the owner can pay vet bills that will keep their dog healthy and secure.

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