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Eusoh is a pet health care company that helps pet owners save on medical care.
Found online at Eusoh.com, Eusoh ensures you never need to worry about your pet’s health care again. It’s not technically insurance; instead, it’s a community health sharing plan.
Is Eusoh legit? How does Eusoh work? Keep reading to discover everything you need to know about Eusoh and how it works.
What is Eusoh?
After signing up for Eusoh, you become a member of the Eusoh community. You make claims through Eusoh, and the Eusoh community will reimburse you for pet medical, wellness, illness, and routine care expenses.
Eusoh aims to be more transparent than traditional pet health insurance companies. The company also offers 24/7 televet services, easy reimbursements, and better coverage with no networks, among other perks.
Eusoh members pay a membership fee of $17 per pet, per month. You also pay community care costs based on expenses across the entire group. These costs vary per month, but they are capped. Typically, Eusoh costs around $40 to $60 per month per pet.
How Does Eusoh Work?
Eusoh works in a similar way to a traditional pet health insurance provider. Even though Eusoh is not pet health insurance, it can reimburse you for qualifying pet health care expenses.
Here’s how it works:
Step 1) Go to your vet. Visit your ordinary veterinarian as you normally would.
Step 2) Pay for your services. You pay for services upfront, then submit your invoice and receipt to the Eusoh community for reimbursement.
Step 3) Submit a receipt. Take a photo of your receipt showing the total expenses.
Step 4) Get reimbursement. You receive a reimbursement amount based on national average pricing with a variance to allow for different costs of living across the country.
That’s it. On average, Eusoh reimburses around 80% of qualifying expenses, with small geographical variances based on your location.
Eusoh Features & Benefits
Eusoh aims to separate itself from traditional pet health insurance providers by offering the following benefits:
- Better coverage
- Totally transparent
- Unlimited 24/7 televet services
- Easy reimbursements
- No networks
- Access to community
Eusoh’s TrueVet Guide
Eusoh’s pricing is based on its TrueVet guide. You’ll receive reimbursements based on the national average price of specific veterinary services, with small adjustments for local pricing.
You can also check Eusoh’s TrueVet guide upfront to discover average costs for specific treatments. You can see if your vet is charging an “Excellent,” “Fair,” or “High-Priced” rate for your treatment, for example, based on the prices charged by other vets in the United States.
Some of the perks of TrueVet include:
- See the average cost of office visits, exams, treatments, surgeries, and medications
- Get reimbursed based on average nationwide pricing for specific services
- Check what other vets are charging, including whether you’re dealing with a good-priced vet, an average-priced vet, or a high-priced vet
- Check specific veterinarians in your area to view the cost of services near you
- Use the Eusoh TrueVet price guide to see which treatments are reimbursable and which ones are not
How to Join the Eusoh Community
You can join the Eusoh community without buying into Eusoh’s healthcare plan. Here’s how it works:
- Step 1) Sign up and create an account for free.
- Step 2) Add your pet.
- Step 3) Start sharing with the community.
What Does Eusoh Cover?
Eusoh reimburses pet owners for all of the following:
- Congenital conditions
- Annual checkups
- Prescribed medications
- Alternative treatments
- Hereditary conditions
- Wellness care
Eusoh also covers cremations/burials, medical boarding, alternative and holistic care, specialists, vaccinations, microchipping, preventive care, genetic conditions, continued treatment, lab tests, procedures, and exam fees.
What is Not Covered by Eusoh?
Eusoh doesn’t cover all healthcare costs related to your pet, nor does it cover grooming, supplements, and pre-existing conditions. Overall, Eusoh’s exclusions are similar to a pet health insurance company’s exclusions.
Eusoh does not cover the following:
- Spaying and neutering
- Pre-existing conditions
- Elective procedures (like declawing)
Eusoh is priced cheaper than traditional pet health insurance plans, and it covers things differently than a traditional pet health insurance provider.
According to the official website, the average Eusoh plan is around $95.97 per month for two pets. Most members report paying a total of $40 to $60 per month per pet.
However, Eusoh doesn’t have a fixed “cost” per month. Instead, you receive a monthly statement outlining your costs.
You pay for Eusoh with two types of fees:
Membership Fees ($17 Per Month): You pay a monthly membership fee for each pet. This membership fee goes towards Eusoh. It does not cover pet health care expenses. This membership fee is $17 per month.
Care Contributions: Eusoh is a pet healthcare collective, which means you make care contributions to share costs among other pet owners. If your pet needs treatment, then you will be reimbursed by the Eusoh network (assuming the treatment is covered). Each month, the collective cost of all of these treatments is shared between all pet owners in the Eusoh network.
Other things to know about Eusoh’s pricing include:
- The average pet health insurance costs around $160 per month for two pets, while Eusoh costs around $95.97 per month for two pets (savings of 40%)
- When you’re in the Eusoh community, you’re one of many pet parents sharing expenses; each month, you receive a statement based on the total number of expenses across the community
- Your monthly invoice includes all of the fees, including your monthly membership fee (around $17 per pet) along with care contributions to help members’ pets
- There are no hidden fees and no network fees; your funds go directly to pet care
- You pay small debit and credit card processing fees when paying via card
- Eusoh’s only source of revenue is from membership fees, and the company doesn’t touch any of the money that flows between community members
- Monthly costs vary, although the amount is capped; you will never pay more than a specific amount per month, even if total costs across the group exceed that amount
Eusoh Coverage Limits
Each Eusoh pet is limited to $8,500 in reimbursement per year.
In comparison, many pet health insurance plans have limits of $5,000 to $20,000 per year.
If you want coverage for expensive surgeries and other high-end treatments, then Eusoh may not be the right fit. However, most pet owners spend much less than $8,500 per year on treatment, even in unlucky years.
Eusoh Coverages & Costs
Eusoh has the following coverages and costs for all members:
- Annual Out of Pocket: $250
- Reimbursement Percentage: Approximately 80% (specific reimbursement varies based on national average pricing with geographical variance based on your location).
- Waiting Period: 30 days
- Annual Maximum Reimbursement: $8,500
How to Submit a Claim Through Eusoh
You visit the vet as you normally would and pay for care upfront.
Then, you upload a picture of the bill to Eusoh. An administrator reviews the claim and calculates how much you should receive in reimbursement, based on Eusoh’s coverages, average pricing, and other factors.
At the end of the month, you withdraw the funds you are owed via direct deposit.
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Eusoh Reviews: What Do Members Say?
Eusoh members tend to say good things about the service, claiming it worked as advertised to cover unexpected healthcare costs for their pets.
Here are some of the reviews from Eusoh members found across the internet:
Many members like Eusoh’s wide range of coverages, and Eusoh tends to cover more things than a traditional pet health insurance plan. It covers accidents, medical conditions, routine wellness care, preventative care, and other costs. Many users like how Eusoh covers wellness expenses, for example – something that isn’t covered by traditional pet health insurance.
Members also claim it’s easy to make a claim with Eusoh. Just submit the invoices or receipts to Eusoh, then get reimbursed.
Some members dislike the signup process. Your membership must be approved by other group members, and it takes 30 days for coverage to start.
Most members report that they get around 80% of their bill covered, which helps to lower the costs of pet healthcare.
Most members seem to have had little trouble getting qualifying expenses covered. As long as the expenses were legitimate and within a normal pricing range based on the nationwide average (with small geographical variances), Eusoh’s community should cover around 80% of your pet’s healthcare bills.
Overall, members like Eusoh for being an excellent community health insurance system without the high costs, overhead expenses, and greed of insurance companies. It’s a community of pet owners sharing costs – not an insurance company controlling your pet’s healthcare while generating enormous profits.
Eusoh Pros and Cons
Eusoh may or may not be the right choice for you and your pet. Depending on your needs, your pet’s health, and any current pet health insurance coverage, Eusoh could be the right fit.
Here are some of the pros and cons of signing up for Eusoh:
- Covers more types of treatments than standard pet health insurance
- Transparent pricing with no hidden fees
- No enrollment age limit
- Use any veterinarian
- Variable monthly costs
- No coverage for pre-existing conditions
- 30 day waiting period before your pet is eligible
- One-year commitment required
- Only one plan with no customizable coverage options
Eusoh, Inc. is a pet health care community headquartered in Beverly Hills, California.
Eusoh is available all across the United States, except for Washington state and Kentucky.
You can contact Eusoh via the following:
Eusoh’s only source of revenue is its membership fee. The company does not touch any money that flows between community members, nor do they take a percentage of the money.
Eusoh partners with Evolve Bank & Trust, Member FDIC to provide banking services to members.
Eusoh is a pet healthcare collective where healthcare costs are split among a group of pet owners.
You sign up for Eusoh, pay a monthly membership fee, and pay additional care costs to cover the collective costs of the group. Eusoh will cover any eligible treatments, medications, and other costs incurred by your pet during this period.
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