You’ve welcomed your newest family member into your house, you’ve purchased all the crucial stuff, such as a leash and a food bowl, taken him for a veterinary visit and started obedience lessons. All is going well and there’s no reason to think about trouble, right? Wrong.

Most cats and almost all dogs will need more than preventive veterinary care during their life. It might be something relatively minor, like a broken leg or a skin rash, or it might be big, like a chronic disease or an unknown malady. It could occur while your pet is young and seemingly hale and hearty, or it might come as he ages. Your beloved canine may only see the inside of the vet’s office a few times in his lifetime, or he might be one of those that your vet recognizes on sight.

From a financial standpoint, the uncertainty is the difficulty. You could make plans if you knew how much you would spend on veterinary care over your dog’s lifetime. You could put cash aside each month to cover the expenses.

Unfortunately it doesn’t work that way. You find out suddenly when your pet needs pricey health care. At the same time you’re wondering if your pet is going to pull through, you’re also wondering how much this is going to cost. Then of course you feel ashamed because how can you possibly think about cost at a time like this?

The best way to decrease anxiety at a time like this, and to look after your budget at the same time is to make a plan for the medical expenses long before your pet gets hurt or ill. Conduct your own pet insurance review to identify the one that offers the best possible protection for the cost for your Rottweiler while he’s still a puppy – if at all possible before he has the opportunity to get into trouble!

Rottweilers and other purebred dogs are the most pricey to insure, and there’s a reason for that. Dogs are more likely to need expensive health care than cats, partially because they seem to get into more mishaps. Cats have the uncanny ability to stay out all night, dodging cars and dogs without getting hurt. Dogs, especially young ones, are more likely to run out into the street and get hurt or have some other accident.

Because of inbreeding, purebreds are more likely than mixed breeds to develop certain diseases. Rottweilers are susceptible to a variety of chronic conditions. Most reputable breeders make sure that they only breed dogs who are free from hereditary health problems. Even so, these types of issues keep cropping up for Rottweilers, and they’re often costly.

When you evaluate pet insurance policies be sure to ask whether they cover hereditary conditions. Those that do will naturally cost more, but it’s worth it. After all, the reason you need a pet insurance policy in the first place is to protect against large unexpected expenses. If you buy insurance based on price alone, you might discover at the worst possible time that you aren’t covered at all. That defeats the reason of purchasing pet health insurance in the first place.

Take the time you need to evaluate policies from several different companies. Don’t settle on one unless it meets your needs. It’s out there.