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According to Eusoh, traditional pet insurance misses the mark completely. They built a subscription, community-based pet health plan that reimburses for medical, routine, illness, and wellness expenses. Once you submit an invoice from a veterinarian, each Eusoh member contributes a fraction of the cost, which reduces everyone’s pets’ medical expenses and saving more money than regular pet insurance.
Summary: Community sharing plan, so everyone saves together, while still having your pets covered for routine and unexpected medical expenses.
Fees & Coverage
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|HQ||Beverly Hills, California|
|Policy||Illness, Accident, & Preventive Coverage|
|Min. Monthly Premium||$17 per month|
|Term Length||1 year contract|
|Eligible Pet Age||No age limit|
|Chronic Disease||Yes (not pre-existing conditions)|
|Restricted States||Not available in Washington, Kentucky|
If you are keeping up to date with preventative care for your pet and are struggling to justify the pricey options that pet insurance companies offer, Eusoh can be a great option for you. Keep in mind, members should budget $65 per month per pet.
An additional perk is the transparency the company offers, so you can see where your money is going. Eusoh only makes money from the $17 membership fee, so it does not have ulterior motives to deny claims (unless they are not expressly covered).
Initially, there is a 30 day waiting period until coverage is active. After that, you are locked into a year-long subscription. The penalty for breaking that subscription early is your $48 deposit per pet. Eusoh reimburses at around 80% after the member reaches the annual deductible of $250.
Once signed up, a new member must apply to join the community of Eusoh pet members. One of the perks is that you are able to see the cost-sharing average of each group for the previous 6 months before applying. The reimbursed expenses of the community are added up each month and equally distributed to its members. Reimbursements are maxed at $8,500 per pet per year. This annual maximum is comparable to traditional pet health plans.
Follow the application process on the Eusoh website or call them on their customer service number. You’ll need to create an account on the website, and provide information about you and your pet. You won’t be charged until your request to join a group is approved. Pet parents who still have questions can schedule a no-obligation informational call.
Once your account is active, you can join a group or create your own. Expense sharing begins the day you join your group.
You can start the process here.
We have talked about how cost-effective Eusoh is for those looking to save on insurance for their pets without canceling coverage altogether, but now we can dive into the numbers. To sign up you will need to pay the following. Keep in mind that each pet is considered a new subscription. This pricing reflects a single pet being signed up:
The $48 is used as a deposit to front any shared expenses by other members that may pop up that month. The user can select whichever veterinarian they want and their costs will be reimbursed according to Eusoh terms. If the shared expenses exceed the $48 deposit, you will not be charged further for that month. During the next billing cycle, whatever was used from the deposit as a shared expense will be refilled.
Eusoh claims that some of the best insurance analysts looking at extensive market research data have validated their modeling software, which indicates that the highest a member will pay on shared expenses is $48. Most months will see a significantly lower number for shared expenses. This means your monthly cost will never exceed $65 ($17 monthly membership fee plus $48 shared expense deposit).
Currently, Eusoh only covers cats and dogs.
Included in the community coverage:
Excluded from the community coverage:
After paying for your veterinary services, you submit the invoice and receipt to the Eusoh community for reimbursement. You can be reimbursed within 30 days. If you need further support you are able to call their support line at (424) 389-0588 available Monday through Friday from 9:00 AM to 5:00 PM, PST.
Eusoh has a 4.4/5 rating on their Facebook page based on 19 reviews. Many of the reviews cite customer service as being friendly, knowledgeable, and efficient.
Eusoh is not technically an insurance provider so it has not been rated by third-party analysis firms. It does have a profile with the Better Business Bureau and has an A+ rating. Only one complaint has been filed since it went into business, and this was sided in their favor after review.
If you are searching for an economical way to protect your pet and finances from unforeseen veterinarian bills, Eusoh is a strong contender for your business. With a maximum monthly payment of $65, their expense sharing business model is a great way to ensure your pet gets the medical treatment it requires.