Breed Insurance Guide
Is Pet Insurance Worth It for Rottweilers?
Yes. Cancer rates, joint problems, and large-breed treatment costs make insurance recommended.
The Bottom Line
Rottweilers have elevated cancer rates, high joint disease prevalence, and their size means expensive treatment. Insurance is recommended.
Why Rotties Need Coverage
- Cancer risk — Higher than average rates of osteosarcoma, lymphoma
- Joint disease — ~20% have hip/elbow dysplasia
- Large breed costs — Everything costs more (drugs, surgery, equipment)
- ACL tears — Common in large, active dogs
- Bloat risk — Deep-chested breed
The Math
Insurance: $50-$100/month = $6,000-$12,000 over 10 years
Osteosarcoma treatment: $8,000-$15,000
Hip dysplasia surgery: $5,000-$7,000
Bloat emergency: $5,000+
What to Look For
- ✓ Unlimited or high annual limits ($20,000+)
- ✓ No cancer caps
- ✓ Bloat coverage
- ✓ Orthopedic coverage with reasonable waiting period
Our Verdict
Recommended for Rottweiler owners. The combination of cancer risk, joint issues, and large-breed treatment costs makes insurance valuable.