Dog Breeds / Rottweiler
Best Pet Insurance for Rottweilers (2026)
Rottweilers are powerful, loyal dogs with a higher than average risk for serious health conditions. Cancer rates are elevated, and their large size makes joint problems common. Good insurance coverage is important for Rottweiler owners.
See Top Picks →🏆 Our Top Picks for Rottweilers
Healthy Paws
Best for cancer coverage (no limits)
Embrace
Best hereditary coverage (6-month ortho wait)
Trupanion
Best for lifetime conditions
Why Rottweilers Need Insurance
Rottweilers face significant health risks including cancer, hip dysplasia, and heart disease. A single cancer diagnosis can cost $10,000+ to treat, making insurance a smart investment.
Common Health Issues & Costs
| Condition | What It Is | Typical Cost |
|---|---|---|
| Osteosarcoma | Bone cancer | $5,000 - $15,000 |
| Hip Dysplasia | Joint malformation | $3,500 - $7,000 |
| Elbow Dysplasia | Elbow joint issues | $2,000 - $4,000 |
| Aortic Stenosis | Heart condition | $5,000 - $20,000 |
| Cruciate Ligament Tears | Knee ligament injury | $3,000 - $6,000 |
| Bloat (GDV) | Stomach twisting emergency | $2,500 - $7,500 |
What to Look For in Rottweiler Insurance
✓ Must-Have Coverage
- Cancer coverage with high limits — Rotties have elevated cancer risk
- Orthopedic coverage — Hip and elbow dysplasia are common
- Emergency surgery coverage — Bloat requires immediate surgery
- No per-incident caps — Cancer treatment adds up quickly
✗ Red Flags to Avoid
- Breed restrictions (some insurers exclude Rottweilers)
- Cancer coverage limits or caps
- Bilateral exclusions on hips/elbows
- Long waiting periods for orthopedic issues
Best Insurance Providers for Rottweilers
Healthy Paws
Best for Cancer Coverage
$65-90/mo
estimated monthly
With no annual or lifetime limits, Healthy Paws is ideal for Rottweilers given their cancer risk. You'll never hit a cap during expensive treatment.
Pros
- No annual or lifetime limits
- Covers cancer treatment fully
- No breed restrictions
- Fast claims processing
Cons
- No wellness coverage option
- 12-month hip dysplasia wait
Embrace
Best Hereditary Coverage
$60-85/mo
estimated monthly
Embrace's 6-month orthopedic waiting period is half what most competitors require. For a breed prone to hip and elbow dysplasia, this shorter wait is valuable.
Pros
- Only 6-month orthopedic wait
- Covers hereditary conditions
- Diminishing deductible
- Good prescription coverage
Cons
- Annual limits apply
- Wellness costs extra
Trupanion
Best for Lifetime Conditions
$70-95/mo
estimated monthly
Trupanion's one-deductible-per-condition model works well for chronic issues. Pay the deductible once for hip dysplasia, then 90% coverage for life.
Pros
- No payout limits
- One deductible per condition
- Covers congenital conditions
- Direct vet payment option
Cons
- Only 90% reimbursement option
- Higher premiums
How Much Does Rottweiler Insurance Cost?
Rottweilers have higher premiums due to their size and health risks. Here's what to expect:
Puppy (8 weeks - 1 year)
$45 - $70/month
Adult (1-7 years)
$55 - $90/month
Senior (8+ years)
$85 - $150+/month
* Estimates based on average rates. Actual cost depends on your location, chosen deductible, reimbursement level, and coverage limits.
Frequently Asked Questions
Do all insurance companies cover Rottweilers?
Most pet insurance companies cover Rottweilers for health insurance. However, some homeowner's policies have breed restrictions. For pet insurance specifically, Healthy Paws, Embrace, and Trupanion all cover Rottweilers without issue.
Why is cancer coverage important for Rottweilers?
Rottweilers have one of the highest cancer rates of any breed, particularly bone cancer (osteosarcoma). Treatment can easily exceed $10,000, making comprehensive cancer coverage essential.
What's the best age to insure a Rottweiler?
Insure as a puppy, ideally around 8-12 weeks. Cancer and joint issues often develop in middle age (5-8 years), so having coverage established early ensures these won't be considered pre-existing.
Should I get coverage for hip dysplasia?
Yes, orthopedic coverage is crucial for Rottweilers. Hip dysplasia surgery can cost $7,000+. Be aware of waiting periods—some insurers require 12 months before covering hip issues.
Is pet insurance worth it for a Rottweiler?
Yes. Given their elevated cancer risk and likelihood of orthopedic issues, most Rottweiler owners will face at least one major medical expense. Insurance provides peace of mind and makes expensive treatments accessible.
Protect Your Rottweiler
Protect your Rottweiler from unexpected health costs. Compare quotes from top providers and find coverage that fits your budget.
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