Rottweiler Insurance
A popular dog breed from Germany, Rottweilers are distinguished by their muscular bodies, large heads and beautiful black- and tan-colored coats. Commonly known as “Rotties”, this dog breed was bred to originally pull carts and herd livestock. Known for their intelligence, loyalty and protectiveness, these dogs make great pets for experienced dog owners.
If you have a Rottweiler at home, then as a pet owner, it may be a wise decision to purchase Rottweiler insurance for your pooch for easy medical care access that can keep your pet healthy and happy, while being extremely affordable for you.
Why Do You Need Pet Insurance for Your Rottweiler?
Rottweilers are purebred dogs and so they are more prone to genetic health problems compared to other types of mixed breed dogs. So, whether you have a Rottie puppy or an adult dog, every part of your pet’s life brings along new health and medical risks that can be quite expensive.
And, so it is a good idea to purchase good pet insurance for your Rottie that can provide your pet with the best medical care while keeping you financially covered. Pet insurance can help you to be prepared in case your Rottie falls ill or is accidentally injured and requires medical care.
Rottweiler insurance allows you to visit any vet in the US and have your pet treated, while your insurance policy will ensure that you’re reimbursed for any examination fees, hospitalization, surgery, diagnostics and even alternative therapies for your pet.
Some insurance companies also offer routine care plans, which you can add to the pet insurance policy that covers vaccinations, training, grooming, routine vet visits, etc.
Common Rottweiler Health Issues
Rottweilers are more prone to certain types of diseases and the approximate cost to diagnose and treat these are listed below:
- Hip Dysplasia: $1,500 to $6,000
- Entropion: $300 to $1,500
- Osteochondrosis of the Spine/Ankle: $2,000 to $4,000
- Osteochondrosis of the Shoulder: $2,000 to $4,000
- Elbow Dysplasia: $1,500 to $4,000
- Subaortic Stenosis: $500 to $1,500
Types of Rottweiler Insurance
There are many types of pet insurance policies; however, the most common ones are time-limited pet insurance and lifetime pet insurance.
- Time-Limited Cover: This is a much cheaper cover and so it is limited in nature. This type of insurance covers the vet fees for your pet for a year; however, after 1 year your pet’s medical condition is treated as a pre-existing health condition and will be excluded from the policy.
- Lifetime Cover: This remains active as long as you keep renewing the policy. And, if your Rottie develops any health problems, then as long as you have the insurance cover, your pet’s medical costs will be reimbursed.
For example, compared to other dog breeds, Rottweilers are susceptible to hip dysplasia and your pet insurance should help to cover the treatment cost. And, if you have a lifetime cover and have renewed the policy every year, then even if your pet requires treatment for hip dysplasia a few years later, you will be able to make a claim.
However, if you have a time-limited health insurance cover, then only the first treatment for hip dysplasia will be covered by the policy and after the time limit, hip dysplasia will be excluded from future policies.
Pet Health Insurance Comparison for Rottweilers
There are many insurance companies that offer pet insurance coverage for Rottweilers and it is very important to select the right pet insurance company for your Rottie and you.
If you end up choosing the wrong insurance company, then you may find that when you’re making a claim that your pet is not covered for something when you need it. Here is a list of some of the best Rottweiler insurance companies that you can consider:
- Figo
- Minimum Time to Enroll: 8 weeks
- Average Wait Time: 9 days
- Pets Best
- Minimum Time to Enroll: 7 weeks
- Average Wait Time: 7 days
- ASPCA Pet Insurance
- Minimum Time to Enroll: 8 weeks
- Average Wait Time: 9 days
- PetFirst
- Minimum Time to Enroll: 0 weeks
- Average Wait Time: 12 days
- PetPlan
- Minimum Time to Enroll: 6 weeks
- Average Wait Time: 6 days
- Hartville Pet Insurance
- Minimum Time to Enroll: 8 weeks
- Average Wait Time: 9 days
Is It Worth Getting a Pet Insurance for Your Rottweiler?
As we’ve discussed earlier, Rottweiler as a breed is more susceptible to certain genetic health conditions than other breeds. And, if they fall ill or have an accident unexpectedly, without pet health insurance, you can expect to pay quite a lot for medical expenses from your own pocket.
So, this is where pet insurance comes in very handy and can help to cover your pet’s medical costs and protect you from financial risks. And, in case of any medical problems, you will be reimbursed 70% – 90% of your vet bill.
Purchasing Rottweiler insurance helps to ensure that your pooch will get health and medical care whenever he needs it. And, the best thing is that most animal hospitals and vet clinics in the US accept pet health insurance.
Final Words
In conclusion, getting pet insurance for your Rottie is the best decision that you can make as a pet owner. However, before you go ahead and purchase pet insurance, it is very important to check the fine print of the insurance policy to see that it is the best fit for your pet.
Also, it is important to understand that the pricing of the insurance policy will depend on various factors such as breed, age, gender, location, etc. So, you must not only consider what the cost of the insurance policy is today, but what it will ultimately cost through the lifespan of your Rottie.
In short, what may seem to be cheap today, may not be cost effective in the long term. So, evaluate the insurance plans of various companies, compare the quotes and see what is covered and what is not before purchasing the best policy for your Rottweiler.
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