We were Trupanion customers originally. We have a Newfoundland, so hip dysplasia was a rider for which we had to pay significantly more. Atop this, Newfs were a higher premium than even Bernese Mountain Dogs, who are widely known as a breed plagued by cancers. When we considered a second Newf, the premiums had increased significantly. Our dog had no health problems or claims on the policy, so we transferred our business to PetSecure. We have no exclusions at PetSecure, all conditions are covered (including hip dysplasia), and premioums are equal for all breeds. I will mention that following our decision to terminate our policy with Trupanion, we received two very aggressive and unpleasant phone calls -- wasn't very professional of them, I'm sorry to say. Trupanion may be right for some, but it wasn't right for our needs.