The Best Pet Insurance for Rottweilers in June 2025

Rottweilers are strong, loyal, and intelligent dogs with distinctive glossy coats and muscular physiques. But just like any other dog breed, Rotties can face certain health risks throughout their lives, including big-dog issues like hip and elbow problems.

Yearly expenses for a Rottweiler, including veterinary care, can average $1,500–$1,700, and lifetime costs can reach $18,000.^[1] Protecting your Rottweiler with pet insurance can help pay for unexpected injuries and illnesses.

On average, our data shows that insuring a Rottweiler costs about $84 per month, compared to the U.S. average of $43 per month for all dogs.

To identify the best pet insurance for Rottweilers, we analyzed thousands of real pet insurance quotes for the breed and a dozen top pet insurance companies. Here’s what we learned about caring for and insuring a Rottie.

The Best Pet Insurance Companies for Rottweilers

Dozens of companies offer pet insurance, so it can be challenging to decide on one that’s the best fit for your Rottie. Here are our choices for the best pet insurance for Rottweilers.

Cheapest Pet Insurance Companies for Rottweilers

Rottweilers may be more expensive to insure than other breeds, but you still have options when it comes to affordable coverage. Some pet insurance companies offer lower average rates for Rottweilers, so it’s possible to save without sacrificing protection.

Here’s a look at monthly quotes from some of the cheapest pet insurance companies for Rottweilers, according to Compare.com data.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Company	Average Monthly Premium
Pets Best	$37
Spot	$43
ASPCA	$48
Lemonade	$53
Prudent Pet	$103
Healthy Paws	$103
Pumpkin	$106
Figo	$110

What Pet Insurance Covers for Rottweilers

Rottweilers are prone to certain health issues, including hip dysplasia, cancer, elbow dysplasia, and epilepsy.^[2] But pet insurance can help pay for many common illnesses Rotties may face.

Most policies cover a range of accidents and illnesses, including hereditary and congenital conditions. But keep in mind, most insurers won’t cover pre-existing conditions if your Rottweiler has had symptoms or been diagnosed before you enrolled in a policy.

Here’s a look at some common health issues Rottweilers face, how much they typically cost to treat, and whether pet insurance usually covers them:^{[3] [4]}

Condition	Average Cost to Treat	Typically Covered by Pet Insurance?
Hip dysplasia	$1,200–$14,000+ (for surgery)	Yes
Degenerative joint disease (osteoarthritis)	$10–$100 per month (pain medication)	Yes
Chemotherapy (cancer treatment)	$150–$600 per dose ($10,000+ for total treatment)	Yes
Bloat (gastric dilatation and volvulus)	$1,500–$7,500	Yes
Cruciate ligament damage	$750–$8,000	Maybe, depending on the insurer; longer waiting period may apply
Degenerative myelopathy (spinal cord disease)	$2,000–$4,000 to diagnose	Some insurers cover treatments like physical therapy or acupuncture
Cataracts	$3,300–$3,500 for one eye, $4,400–$4,600 for both eyes	Yes

What pet insurance doesn’t cover

Pet insurance plans don’t cover every health expense for your Rottie. For example, depending on the insurer, your policy might not cover prescription food or alternative therapies. Generally, most pet insurance policies exclude:^{[5] [6]}

• Pre-existing conditions

• Obedience training

• Acupuncture

• Routine care

• Spaying and neutering

• Experimental treatments

• Preventable diseases

• Elective procedures

• Prescription food

It’s important to carefully read a pet insurance policy before enrolling your Rottweiler. Be sure you understand exactly what health conditions your policy will and won’t cover.

How Pet Insurance for Rottweilers Works

Most pet insurance works on a reimbursement basis. You pay the vet bill up front at the time of service and then submit a claim for reimbursement to your pet insurance company. How much your plan repays you depends on some key factors, including:

• Deductible: This is the amount you’re responsible for before your insurance reimburses you for a covered service. A higher deductible means lower monthly costs but more out of pocket if your Rottie gets sick or injured. A lower deductible can mean less money out of pocket when something happens, but you’ll pay a higher monthly premium for it.

• Reimbursement level: This is the percentage your insurer reimburses after you hit your deductible — usually 70%, 80%, or 90%. The higher the percentage, the more your plan repays you for covered services. Some insurers offer 100% reimbursement as an option.

• Payout limit: Some plans cap how much they’ll pay each year, per incident, or over your dog’s lifetime. A lower limit can reduce your premium, but you may hit that cap if your Rottweiler needs expensive treatment.

• Waiting period: Most pet insurance policies have a waiting period when you first enroll — a period of time during which the insurer won’t pay for a generally covered issue. Waiting periods can vary greatly among insurers and can depend on the condition. For example, an insurer may have a 14-day waiting period for illnesses, none for accidents, and 30 days or longer for ligament injuries.

Additional Pet Insurance Coverages for Rottweilers

Standard accident and illness coverage is a great starting point to protect your Rottweiler. But if you want more comprehensive protection, many insurers offer optional add-ons.

These extras can help cover routine care, behavioral support, and even liability — all tailored to your dog’s needs.

Wellness add-ons

A wellness plan (also called preventive care coverage) helps pay for routine care that keeps your Rottweiler healthy year-round. These plans can reimburse you for things like:

• Annual checkups

• Vaccinations

• Dental cleanings

• Flea, tick, and heartworm preventives

• Microchipping

• Spay/neuter procedures

• Routine blood work or diagnostic tests

Wellness coverage can make it easier to budget for preventive care and avoid skipping important vet visits due to cost.

Specialized add-ons

Some insurers also offer add-ons for specific health or care needs, such as:

• Exam fee coverage for vet visits

• Physical therapy for injuries or post-surgical recovery

• Behavioral treatment for anxiety, aggression, or other issues

• End-of-life care, including euthanasia and cremation services

These options can be especially helpful for Rottweilers, which may need orthopedic recovery, behavior management, or mobility support as they age.

Adding these extras can help you build a policy that fits your Rottweiler’s lifestyle and health risks — whether you’re managing chronic conditions, paying for training support, or just staying on top of routine vet care.

How to Find the Right Pet Insurance for Rottweilers

Shopping for pet insurance isn’t just about finding the cheapest rate; it’s about finding the right fit for your Rottweiler’s health needs and your budget. Start by comparing monthly premiums, but don’t stop there. Look closely at what each policy covers, how it handles claims, and whether it excludes conditions that are common in Rottweilers.

Here are some tips to help you find the best pet insurance for your Rottie:

1. Insure your Rottweiler as soon as possible. Insuring your dog when they’re a puppy is best because it can help you avoid exclusions for pre-existing conditions. If you adopt your Rottie that’s an adult, be sure to look for an insurer that doesn’t have age limitations on new enrollments.

2. Compare deductibles, reimbursement rates, and coverage limits. With so many options, it can be difficult to make an apples-to-apples comparison. But it’s a good idea to evaluate policies on more than just the premium they offer. For example, an accident-only policy may have a substantially lower monthly premium, but it could cost you more in the long run if your Rottweiler develops an illness.

3. Weigh premiums and value. Your budget is an important consideration, so you want to ensure you get the best value for your money. For example, it may be worth paying a premium at the higher end of your budget range if it comes with more extensive coverage for your dog.

4. Compare quotes from multiple pet insurance companies. While certain coverages are standard, every insurer has important differences — especially when it comes to cost. The best way to find the right plan for your Rottie is to compare personalized quotes from as many companies as possible. Insurance-comparison sites are generally a good place to start because they bring the insurance companies to you.

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How Your Rottweiler’s Age Affects Pet Insurance Premiums

As a larger breed, Rottweilers typically have a shorter life span than many small dogs. The American Kennel Club puts their life expectancy between nine and 10 years. That shorter time frame can make quality of life even more important to you as a Rottie parent.

Your Rottweiler’s age plays a big role in how much you pay for pet insurance each month. As with most types of insurance, you get the best rates when your dog is young — typically less than a year old. That’s because younger Rottweilers are less likely to have pre-existing conditions or need treatment for chronic issues.

But as your dog ages, premiums tend to increase. Adult Rottweilers face a higher risk of illnesses, so insurers charge more to offset those costs.

And once your Rottie hits their senior years, expect a sharper increase. Older dogs are more likely to develop health issues like arthritis, cancer, and hypothyroidism, all of which can be expensive to treat over time.^[7]

Here’s a breakdown of how pet insurance costs can change based on your Rottweiler’s life stage:

How Your Location Affects Rottweiler Insurance Costs

The cost of vet care, diagnostics, exams, medications, food, and more can all vary greatly depending on where you and your Rottie live. Those cost variations affect insurance companies’ costs when they reimburse you for covered care.

For example, if you’re in a major metro area with a high cost of living, you’ll likely pay more because vet care tends to be more expensive in cities. On the other hand, pet owners in rural areas or lower-cost regions usually see lower premiums thanks to more affordable vet services.

Other location-specific factors that affect costs

The cost of veterinary care significantly affects premiums in your area. But insurers also look at other location-related factors, like:

• Access to emergency care and specialists in your area

• The frequency of claims in your area

• Local risks, like extreme weather, wildlife exposure, or urban traffic

For example, if you live in an area where pet injuries or illnesses happen more often or where emergency care is harder to access, your insurance company might charge more to offset those risks.

Here’s a look at how average monthly premiums for Rottweilers can vary by state, giving you a clearer idea of how much your location could affect your rate.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

State	Average Monthly Premium
Iowa	$42
Alabama	$65
West Virginia	$73
South Carolina	$74
Pennsylvania	$77
Ohio	$79
Washington	$81
Washington D.C.	$82
Indiana	$82
Alaska	$83
Georgia	$84
Nevada	$85
Wisconsin	$86
California	$89
Kentucky	$89
New Hampshire	$89
Connecticut	$91
New York	$92
Illinois	$98
Arizona	$101
Michigan	$101
Montana	$102
Minnesota	$103
Tennessee	$103
Massachusetts	$109

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Pet Insurance for Rottweilers FAQs