I have VPI for Haruka... I probably don't need it because Haruka is very healthy but I just want to have it just in case.
VPI doesn't cover anything that is pre-condition... I don't mind paying monthly fee but I don't like paying tons of money together. So it is nice to see the money back after faxing the claim....
__________________ Michiko (Ethicist) and Haruka(Fragrance of Spring Flowers)
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