Insuring Your Rottweiler 

A rottweiler’s love for its owner is unique. They are a very loyal breed, as well as being protective and powerful. Their roles in history as drovers – which means they would help humans walk livestock long distances – and as protection, means they are not only hardworking but have a very close bond with humans. This history translates to their present temperament. They will be there for you. This love is both earned and returned while and by raising them. It is a natural part of the process. There is, though, a way to turn it up a notch, even future-proof, to an extent, that love: insurance. 

Pet insurance isn’t always factored into getting or adopting a pet. It isn’t part of the initial costs of purchasing them, food, bed, and toys. It should be. There are many perks to having it, and it can be a literal life-saver. Rottweiler’s can develop similar personality traits to their owners. Don’t let your rottweiler see your complacency. 


Insurance can help with the theft of your rottweiler. It’d take some doing to steal an adult one, that’s for sure. Ruling it out, though, is the sort of complacency that cost you dearly. The usual targets are puppies. These are easier to scoop up and make off with. 

There are reportedly two-million pets stolen annually in the USA. The recovery rate is a sad and low ten-percent. It is a national problem. Thieves recognise the monetary value of certain breeds. Stealing them is a way to make money by selling them on. There are other reasons for stealing dogs: illegal fighting rings is one such example. A big issue in the USA is with the state laws. Only fifteen states have laws which directly address dog theft. The states which don’t, treat dogs as personal property, rather than anything equivalent to a life. 

There are ways of deterring thieves or protecting your rottweiler. Having proof of ownership is key. Microchipping and having up-to-date tags will help authorities and a wider community find and return your rottweiler. Additionally, to prevent the theft itself, ensuring that the puppy is secure on your property and that there are security devices like CCTV will help. 

The insurance will kick in if the rottweiler isn’t found. Once it is decided that the likelihood of it returning is almost impossible, the insurance will cover the purchase cost. This is another benefit to having the proof of purchase and a receipt, as some insurances will go by market value. While it doesn’t replace the loss of your pet, it is better than nothing. 

Vet Bills 

Helping to pay veterinarian bills for your rottweiler’s health is the main reason to get insurance. 

Whatever the illness and whatever the treatment insurance will often help cover the costs. But it will depend on your policy and other factors about your pet. Let’s use Lemonade as an example. Does pet health insurance help cover cancer treatments? Yes, provided this isn’t related to a pre-existing condition from before the policy was active. Does it help cover surgery for a fractured leg? Yes. 

It isn’t just a way to lessen treatment costs, though. It will help pay for diagnosis too. 

Hereditary and congenital conditions will often be covered, provided that you have signed up for a pet health policy before these have been diagnosed, or before your pet has shown symptoms of these conditions. That said, it’s important to know what your individual policy does and does not cover. Insurers are aware of patterns. Some breeds are likely to be more susceptible to certain problems than others. Rottweilers have a tendency to develop progressive retinal atrophy, for instance. Insuring them while they’re young will guarantee that you’re prepared for any eventuality. 

Health problems are a major ordeal to cope with for you and your rottweiler. Money anxiety can contribute to that. In short, the fewer concerns the better, for you and your dog. 

Behavioural Problems 

Vets can recommend behavioural treatment and therapy for your rottweiler. There are some behaviours which could place them, owners, or others at risk, which the vet would want fixed. They will likely refer the owner to expert behavioural therapists. If vets do this, it is unlikely that it is a physical problem, so their judgement should be trusted. 

Behavioural therapy isn’t just a matter of potty training, as alluded to. The risk to the rottweiler’s own health can be caused by anxiety or stress, for instance. They could persistently bite at their front legs, or clean and lick themselves raw, or they can panic when left on their own and they could scratch and dig at the doors or floor and damage their claws and paws. 

Insurance will cover the costs of this therapy, as it’s deemed a medical necessity. 


As mentioned above, your rottweiler’s behaviour could put other people, property, or animals at risk. If this comes to be, and your rottweiler does cause harm or damage, then claims can be made. Owners will be liable. Insurance will cover the costs of any court fees or compensation. 



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