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Rottweiler Insurance Guide

Everything you need to know about insuring your Rottweiler—costs, coverage, and breed-specific health risks to consider.

Estimated Monthly Cost

$52 - $91

$624 - $1092 per year

Health Risk: MediumSize: Large

Why Rottweilers Need Insurance

Rottweilers are in the high-risk tier for insurers. Large size + cancer risk + joint issues = higher premiums.

•Osteosarcoma (bone cancer) is significantly more common in Rottweilers than other breeds

•Hip and elbow dysplasia rates are high—around 20%

•Cruciate ligament (ACL) tears are common due to their weight and activity level

Rottweiler Health Conditions to Cover

Rottweilers are prone to certain health conditions. Make sure any policy you choose covers these conditions without breed-specific exclusions:

AllergiesHeart ConditionsThyroid Issues

Important: Some homeowner insurance policies have breed restrictions for Rottweilers. Check before buying.

Recommended Coverage for Rottweilers

Get maximum orthopedic coverage. Cruciate surgeries run $3,000-6,000 PER leg, and Rotties often need both.

✓Look For

• Hereditary condition coverage
• No breed-specific exclusions
• Unlimited or high annual limits
• Low deductibles for chronic conditions

✗Avoid

• Policies with breed restrictions
• Long waiting periods for orthopedics
• Per-condition limits (caps quickly)
• Policies that exclude "breed-typical" issues

When to Insure Your Rottweiler

🏆

Ideal: 8-16 Weeks OldMaximum coverage before any pre-existing conditions develop. Lowest premiums.

👍

Good: Under 1 YearMost hereditary conditions like hip dysplasia haven't shown symptoms yet.

⚠️

Possible: 1-7 YearsStill valuable, but vet records may reveal pre-existing conditions that won't be covered.

😓

Difficult: 7+ YearsHigher premiums, more exclusions. Accident-only policies may be the only option.

Frequently Asked Questions

Is pet insurance worth it for a Rottweiler?

Yes. Rottweilers are considered Medium risk. Rottweilers are in the high-risk tier for insurers. Large size + cancer risk + joint issues = higher premiums. Get maximum orthopedic coverage. Cruciate surgeries run $3,000-6,000 PER leg, and Rotties often need both.

What health issues should Rottweiler insurance cover?

Rottweilers are prone to Allergies, Heart Conditions, Thyroid Issues. Osteosarcoma (bone cancer) is significantly more common in Rottweilers than other breeds

How much is pet insurance for a Rottweiler?

For a healthy Rottweiler, expected monthly premiums range from $52 to $91. Costs vary based on age, location, and deductible choices.

What if my Rottweiler already has a health condition?

Pre-existing conditions are typically not covered by pet insurance. That's why insuring early (ideally as a puppy or kitten) is crucial for Rottweilers. Conditions diagnosed before coverage begins will be excluded. Some insurers offer coverage for "curable" pre-existing conditions after a symptom-free waiting period.

✓

Breed-Specific Analysis

This guide contains insurance insights specific to Rottweilers, based on breed health data and veterinary research.

Full ProfileRottweiler Breed Guide →Ownership CostFull Cost Breakdown →