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Best Rottweiler Pet Insurance of 2022

Lisa Scott

If you have a Rottweiler, chances are they’ve already become a loved member of your family. Keep them healthy and safe by considering quality pet insurance for expensive veterinarian bills. To help you with this process, we’ve looked at the top choices for coverage, discounts, reimbursements, and overall quality.

Customizable plan to fit your pet's needs

$10,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Extensive coverage to help keep your pet healthy

$20,000

Coverage Up To

90%

Reimbursement Rates

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Affordable prices with a fast reimbursement process

$100,000

Coverage Up To

70% - 90%

Reimbursement Rates

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $24/m

$3,000

Coverage Up To

100%

Reimbursement Rates

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $24, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $24
  • Allows coverage on 6 pets for $24 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Community cost sharing model and unused contributions roll over

$8,500

Coverage Up To

80%

Reimbursement Rates

Overview

Eusoh is able to provide an affordable pet health plan because of its community-based health sharing plan. Pet parents directly fund each other's vet expenses, which helps everyone save.

What we like

  • Affordable, all-in-one pet health plan
  • Unused contributions roll over to the next month
  • Community cost sharing model
  • Save and help others save
  • See your own veterinarian

What we don't

  • Upfront costs for medical expenses
  • Only long term subscription option available

Is pet insurance worth it for a Rottweiler?

Rottweilers can make excellent pets, but they may pose a risk if they aren’t appropriately trained because of their size and strength. In addition, this breed is prone to specific health problems, and it may be more likely to suffer injuries due to being territorial and more aggressive than the average dog.

Medical treatment for your Rottweiler can become very expensive, especially if they encounter a more serious issue that requires invasive treatment. Medical bills for treating a sick Rottweiler can quickly add up, costing up to a few thousand dollars. In these situations, you don’t want to be in the middle of a crisis and have to choose between your beloved dog and the affordability of their medical treatment.

To prepare for these unexpected circumstances, consider investing in pet insurance. It can help you afford your dog’s medical treatments and procedures, while you focus on your pet’s recovery. 

Pet insurance can also provide peace of mind that your dog can be covered for the necessary treatments when it has an accident, injury, or illness. This includes (but is not limited to) broken bones, cancer treatment, harm caused by another animal, and prescriptions for chronic conditions. Therefore, pet insurance can be important and beneficial for your pet.

Common health conditions for a Rottweiler

Typically, a Rottweiler has a shorter lifespan than the average dog. You can expect your pet to live somewhere between 8 – 10 years. However, like all dog breeds, there are certain medical conditions that your pet could develop. While Rottweilers are generally healthy, they are susceptible to several health conditions:

  • Aortic stenosis: This condition is a narrowing of the aorta, which means the dog’s heart has to work harder to pump blood through it. This can lead to an enlarged heart. It is treatable but can be fatal if left untreated.
  • Hip dysplasia: This condition is seen in many large dogs, including Rottweilers. It occurs when one or both hips are malformed, which causes the dog to have difficulty walking or standing up. Affected dogs are usually managed with drugs and supplements. In severe cases, hip replacement surgery may be necessary.
  • Elbow dysplasia: Another inherited condition common in large dogs, elbow dysplasia usually presents as arthritis and lameness of the elbow joint. It is difficult to diagnose and often requires ultrasound or x-rays for a definitive diagnosis. Treatment includes medications, weight management, and physical therapy if your vet recommends.
  • Entropion: This is a condition in which the eyelids fold inward, causing the hair on the lid to rub against the surface of the eyeball. This can cause pain and irritation to the eye and often lead to tearing and squinting. Surgery can be performed to correct this condition.
  • Cruciate ligament rupture: The knee joint of dogs has two cruciate ligaments, just like humans do. These ligaments keep the joint stable by crossing each other and preventing excessive motion in one direction. However, these ligaments can tear or rupture, resulting in lameness, pain, and inflammation in the joint. 
  • Ectropion: This is a condition in which the lower eyelid sags and turns out, leaving part or all of the eye exposed. This leaves the eye vulnerable to injury and infections, such as conjunctivitis or “pink eye.” Treatment for this condition varies depending on its severity and can include anything from eye drops to surgery.

What does pet insurance cover for a Rottweiler?

Pet insurance covers a range of diagnostics, treatments, and procedures for your dog. Based on your plan, you are eligible for the following coverage:

  • Accidents: No matter which pet insurance company you choose, your plan will probably cover accidents. This includes swallowing a sock, getting hit by a car, or lacerations from an encounter with a barbed-wire fence.
  • Illness: This coverage is more important for older dogs than younger ones. It covers things like cancer, infections, and arthritis.
  • Routine care: This coverage is optional — it’s meant to cover wellness visits and screenings, such as a fecal exam or blood work. Some companies also let you add coverage for vaccinations or teeth cleanings. You can also get specialty add-ons such as behavioral treatment, alternative therapies, acupuncture or chiropractic care. 

In addition, most insurance providers will not cover pre-existing conditions that were established before you registered your pet for coverage. Be sure to review everything your potential pet insurance plan covers and what types of pre-existing conditions they exclude to ensure your pet will be eligible for coverage.

How are pet insurance premiums determined for a Rottweiler?

There are many factors that will determine the monthly premium rate for your Rottweiler (included but not limited to):

  • Location:  The cost of pet care varies across the country. Some states have higher average veterinary costs than others. The average cost of insuring your pet will be lower if you live in a place where veterinary care is more affordable. Also, suppose you live in a state where certain diseases are more prevalent or have a high incidence of weather-related emergencies, your pet insurance premium will likely be higher.
  • Age: The older your pet is, the higher your insurance premiums. This will apply even if you’re insuring a pure-bred dog that’s less likely to have pre-existing conditions. Older animals are more likely to develop illnesses or injuries. It pays to start insurance early to enjoy lower premiums for many years to come.
  • Deductible: The deductible is the amount you must pay out-of-pocket each year when you make a claim before your insurance kicks in. Typically, lower deductibles will lead to higher monthly premiums and vice versa.
  • Gender:  Male dogs typically cost more than females. Male dogs are more prone to certain medical conditions, including perianal fistulas, which is a common and expensive to treat condition in Rottweilers. Furthermore, males tend to be more territorial and more aggressive than females, so premiums are higher for males.

How to choose the best pet insurance plan for a Rottweiler

There are many pet insurance options available for a Rottweiler, so how do you choose the best one? Here are some key factors to keep in mind as you are deciding on the right plan:

  • Check out the company’s reputation: Just because a company offers pet insurance for a Rottweiler doesn’t mean they’re reputable or trustworthy. Before purchasing a policy, check out their feedback on consumer sites like Better Business Bureau (BBB) or talk to your vet. A low BBB rating can indicate that other customers have had bad experiences with the company.
  • Consider your budget: Pet insurance can come in handy if you’re faced with an unexpected vet bill or medical emergency, but if you don’t have much wiggle room in your monthly budget for premiums, then pet insurance may not be worth it. Try to get a customized plan that fits your monthly budget.
  • Consider pre-existing conditions: If your Rottweiler has any medical issues or has been diagnosed with a chronic disease prior purchasing a pet insurance plan, it may not be eligible for coverage for those pre-existing conditions. In otherwords, specific treatments may be excluded from coverage.
  • Define your needs: Do you want a plan covering routine checkups and vaccinations? Or are you looking for something more comprehensive to keep your dog protected? Based on your needs and budget, you’ll need to decide whether you want accident-only coverage, an accident and illness plan, or a combination of accident, illness, and routine care.