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5 Best Pet Insurance for Rottweilers (2022 Reviews)

Rottweiler enjoying winter weather
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Rottweiler parents across the country know that their beloved dogs are just as likely to experience accidents or illnesses at some point in time. Since urgent veterinary care tends to be costly, they often purchase pet insurance to alleviate as much of the burden as possible during such emotionally and financially stressful times. Through our research, we have found the best dog insurance companies in the country for Rottweilers. In this article, we share with you the most important features of each company’s offerings.

Rottweiler with woman
Rottweiler snuggles :)

5 Top Pet Insurance Companies Compared for Rottweilers

  • 1

    Best overall

    Our score
    Average price for
    Reimbursement amount 90%
    Annual benefit $20,000
    • Lemonade features the overall best Rottweilers pet insurance plan at the most competitive rates

    • Claims can be paid in under 60 seconds via their world-class app. I was blown away by how quickly they approved my claim and how much they paid

    • Lemonade is a certified B-corp that donates a significant portion of their unclaimed premiums to pet parents’ preferred non-profit organizations

  • 2

    Best for wellness

    Our score
    Average price for
    Reimbursement amount 90%
    Annual benefit $20,000
    • They are one of the few companies that reimburse up to 100% of veterinary costs and provide quick reimbursements

    • Wagmo’s top-notch wellness plans extend coverage to include your pet’s routine and preventative care

    • Wagmo offers instant coverage for cats and dogs in all 50 states, regardless of their age, breed, or any health conditions (with some limitations)

  • 3

    Best live vet support

    Our score
    Average price for
    Reimbursement amount 90%
    Annual benefit $5,000
    • Figo provides free 24/7 telehealth services to Rottweilers owners with licensed veterinarians and other essential professionals on call

    • Their pet records app and real-time claims tracker are easy and intuitive to use

    • Figo covers most ‘curable’ pre-existing conditions as long as the pet has been symptom-free for 12 months since their last treatment

  • 4

    Best for pre-existing conditions

    Our score
    Average price for
    Reimbursement amount 100%
    Annual benefit $3,000
    • Pawp allows you to protect up to 6 pets under one membership regardless of age or pre-existing conditions

    • Pawp membership gives Rottweilers pet parents access to an annual one-time use $3,000 Emergency Fund to cover unexpected accidents or illnesses

    • Pawp does not require copays, credit checks or deductibles

  • 5

    Best established brand

    Our score
    Average price for
    Reimbursement amount 90%
    Annual benefit $5,000
    • With Embrace’s “Healthy Pet Deductible,” your annual deductible drops by $50 every year you do not get reimbursed for a claim

    • Embrace has an easy-to-use claims portal and paid 92% of claims in 2021

    • Their Wellness Rewards is one of the most flexible preventative care plans available, offering a whole host of benefits, including training and grooming

Based on our personal experience and countless hours of research, we’ve found Lemonade Pet Insurance offers the ideal balance between coverage and unbeatable prices.

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FAQs about Rottweiler Pet Insurance

  • 1. How much does pet insurance cost for Rottweilers?

    Rottweiler insurance costs anywhere from $62.42 to $100.64 per month. Pet insurance companies consider several factors when determining premiums, especially your dog’s breed, age, health, and the cost of veterinary care in whichever state you live.

  • 2. What does pet insurance typically cover for Rottweilers?

    While no pet insurance company offers the same benefits, you can expect coverage to extend to any illness or accident considered sudden and catastrophic. In such instances, reimbursements would typically be made for exams, tests, other diagnostic procedures, surgery and medication.

  • 3. Can I cancel my Rottweiler’s insurance plan after I make a claim?

    Regardless of which company you get your pet insurance from, you can typically cancel your Rottweiler’s policy at any time. Check with your provider to determine the steps you need to take for cancellation.

  • 4. Do pet insurance companies cover spaying and neutering?

    In general, pet insurance companies do not cover spaying and neutering. That said, some companies like Embrace have wellness plan add-ons that will reimburse for these operations should your Rottweiler need one.

  • 5. Does the cost of insurance increase as my Rottweiler ages?

    You can expect the cost of your Rottweiler’s pet insurance to go up over time, particularly once they turn 4 or 5 years old. Providers increase rates to offset the heightened risk that your dog will become ill or develop a chronic condition as they age.

  • 6. Which companies cover pre-existing conditions?

    Most pet insurance providers never cover pre-existing conditions, but we have found Pawp to be the best for such circumstances. Embrace also covers a limited number of pre-existing conditions that they deem curable. We recommend reaching out to these providers for specifics on what their plans do and do not cover. However, do not be alarmed if your Rottweiler has a pre-existing condition; it will not preclude them from being eligible for pet insurance.

  • 7. Is pet insurance worth it for Rottweilers?

    Many Rottweiler parents find pet insurance worthwhile because they know that accidents and illnesses are inevitable at some point in their dogs’ lives. Veterinary treatment for emergencies can be quite costly too. For example, cataracts are a common ailment this breed struggles with and, if left to progress too far, leads to blindness. Cataract surgery is very effective, but it can cost up to $4,000. Also, many Rottweilers develop hip dysplasia, which impedes their ability to walk and causes severe arthritic pain in the hip joints. The most effective remedy is hip replacement surgery, which runs as high as $7,000.

More Details About Pet Insurance for Rottweilers

  • 1. Lemonade

    (Best overall)

    Why it’s great: Between their extensive accident and illness coverage, affordable premiums and dynamic selection of wellness plans, it’s easy to see why Lemonade tops our rankings for the best overall pet insurance provider. Other perks include an easy-to-use claim-filing system on their mobile app and a very brief, 2-day waiting period for accidents. Rottweiler parents who combine their dog’s plan with one of Lemonade’s renters’ or homeowners’ policies will receive a discount.

    Keep in mind: If your Rottweiler is older or has pre-existing conditions, Lemonade may request documentation from your veterinarian regarding your dog’s medical history.

    Good for: Almost all Rottweilers, particularly the young and healthy. 

    Average price for Rottweilers: $62.42/month 

  • 2. Wagmo

    (Best for wellness)

    Why it’s great: Wagmo prides itself in making incredibly fast reimbursements via PayPal, Venmo or direct deposit. They will also reimburse up to 100% of vet fees for the remainder of the year once you meet your deductible. Discounts are available for those who insure multiple pets or renew their policies without having any claim reimbursements in the year prior or insure two or more pets. Rottweiler owners are free to take their dogs to any licensed veterinarian of their choice.

    Keep in mind: The lifetime benefit limit is $100,000. If your Rottweiler’s veterinary care reaches this amount, they will no longer be eligible for coverage.

    Good for: Rottweiler parents who prefer a blend of emergency and wellness care coverage. 

    Average price for Rottweilers: $78.68/month 

  • 3. Figo

    (Best live vet support)

    Why it’s great: Figo provides all pet parents with free 24/7 telehealth services on their mobile app. They also offer several wellness packages that cater to various needs and preferences, including one that covers $250 in prescription dog food. All of Figo’s pet health plans have no lifetime limit on benefits or caps on reimbursements for specific types of treatment. Figo usually reviews claims within a few business days, so Rottweiler owners get reimbursed quickly.

    Keep in mind: They do not cover pre-existing conditions.

    Good for: Rottweiler owners who would like free 24/7 televet services included in their dog’s insurance plan. 

    Average price for Rottweilers: $99.98/month 

  • 4. Pawp

    (Best for pre-existing conditions)

    Why it’s great: The emergency fund protects as many as 6 pets of any age, breed or health condition within your household for a flat fee of $24 per month. Additionally, Rottweiler parents will get access to pet consultations with pet experts and unlimited 24/7 televet services. Unlike other pet insurance companies, Pawp does not have any credit checks, copays or deductibles. Pet owners are also free to choose their best pals’ veterinarians. Pawp guarantees that they will pay your vet bills for approved emergencies before you and your Rottweiler even leave the vet’s clinic.

    Keep in mind: Coverage extends only to qualified emergencies as approved by Pawp’s virtual team of vets, and it is limited to a single vet bill of less than $3,000 for one of your pets in a given year.

    Good for: Older Rottweilers or those with pre-existing conditions. A good supplement for traditional pet insurance policies. 

    Price: $24/month 

  • 5. Embrace

    (Best established brand)

    Why it’s great: With uncapped lifetime benefits, multiple pet discounts and diminishing deductibles, it’s easy to see how Embrace has become the best-established brand. The diminishing deductible is a popular perk amongst dog owners because it means their deductible drops by $50 each year they renew their policies without claim reimbursements in the year prior. Rottweiler parents will also appreciate Embrace’s unique wellness package that covers alternative veterinary care, including reiki, massage therapy, chiropractic and acupuncture.

    Keep in mind: Embrace’s wellness plan has a maximum combined claims total of $650, and any unused funds remaining at the end of the year are not reimbursed.

    Good for: Rottweiler owners who would like to have coverage extended to
    alternative veterinary treatments.

    Average price for Rottweilers: $100.64/month 

Best Overall

Lemonade is our overall top recommendation. It’s the most comprehensive pet insurance provider for Rottweilers and they also offer the best value.


We hope this article makes your search for the best Rottweiler pet insurance much more straightforward. We suggest that all dog parents explore further what these companies include and exclude from coverage before applying for a policy. Buying the right pet insurance can provide a vital financial cushion to ensure your Rottweiler will be able to receive the care they need, when they need it, irrespective of the cost. That way, you both can share many healthy and fun-filled years together.