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Updated October 29, 2026
The short answer
Rottweiler insurance cost $39 to $142 a month in our Idaho test for an accident-and-illness plan with a $5,000 annual limit. A 1-year-old Rottweiler was quoted $39.26 by Fetch and $83.50 by Embrace. At age 7, the quotes rose to $101.51 and $141.96.
That makes the Rottweiler the most expensive dog we have quoted. Large size, joint problems and a higher risk of bone cancer all push the price up. Use our premium calculator to see how the deductible changes it.
Real quotes for Nampa, Idaho
| Sample dog | Embrace | Fetch |
|---|---|---|
| Rottweiler, 1 year | $83.50 | $39.26 |
| Rottweiler, 7 years | $141.96 | $101.51 |
| For comparison: Labrador retriever, 1 year | $48.76 | $26.66 |
What the quotes show:
- Fetch was cheaper at both ages, by 53% at age 1 and 28% at age 7.
- Embrace charged 71% more for a Rottweiler than for a Lab of the same age.
- Fetch’s price rose 159% between ages 1 and 7, compared with 70% for Embrace.
Common Rottweiler health problems
Embrace’s quote page lists these as the breed’s main risks, with typical treatment costs:
| Condition | Risk | Typical cost to treat |
|---|---|---|
| Cranial cruciate ligament (knee) tear | High | $6,545 |
| Hip dysplasia | High | $3,443 |
| Allergic dermatitis | Medium | $1,295 |
Rottweilers are also one of the breeds most at risk of osteosarcoma, an aggressive bone cancer. A 2021 study of more than 900,000 UK dogs led by the University of Bristol and the Royal Veterinary College named the Rottweiler among the highest-risk breeds. Cancer treatment can easily exceed a $5,000 limit.
How to choose a plan
- Consider a higher limit. Between knee surgery and cancer risk, a $10,000 or unlimited limit makes more sense for a Rottweiler than for most breeds. On Embrace, unlimited coverage for a 1-year-old would cost about $117 a month.
- Use the deductible to manage cost. A $1,000 deductible would bring Embrace’s price for a 1-year-old down to about $49 a month.
- Enroll early. Hip and knee problems are usually excluded once a vet records signs of them.
Get real quotes
Prices depend on your dog’s age and your ZIP code. Get quotes from both insurers with the same limit, deductible and reimbursement rate.
Related guides: dog insurance cost, Embrace vs Fetch, is pet insurance worth it? and breed guides for the Labrador, golden retriever, French bulldog, German shepherd, dachshund, goldendoodle, English bulldog, Rottweiler and Australian shepherd.
Sources
- Our own quotes from Embrace and Fetch, October 29, 2026, ZIP 83651. Embrace’s quote page also lists common conditions and treatment costs for each dog breed.
- University of Bristol: Dog body size and shape could indicate a greater bone tumour risk