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With Cliff and Gilly I had the VPI Annual coverage with the lower premium but, with Wednesday I decided to skip the Annual coverage because it didn't pay that much and take that money and get the higher coverage which cost the same. The payout is higher and it is much better in my opinion than wasting your money on the Annual. It paid off with her emergency surgery $900/$1100>> I was thrilled. Lisa,Wed and Boot </div></body>
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