Eusoh ("you-so") is an innovative community cost-sharing model. It's a comprehensive accident, illness, and wellness community pet health plan for dogs and cats. 

Pricing is simple -  a single universal price for dogs and cats of all ages. Eusoh is the only plan where members pay for what is needed. Each month, any unused contributions are rolled over entirely and credited back to the community, decreasing next month's payment.

Eusoh believes in full transparency - people should know exactly where their money is going and what it's being used for. You should be free to choose who you share with and access to vets and other providers shouldn't be limited. Eusoh believes in an empowered community with more and better options.

Average customer rating

8.3 Out of 10
60 Days 1 Year Lifetime
Rating 5.5 6.4 8.3
Count 2 5 17
Out of 10

Been with Embrace for 13 Years and Very Satisfied!

Posted: 09/10/2021

Great service and prompt payment.

Claim Amount

American Curl Shorthair

Age of Pet
Over 8 years
Out of 10

They denied my claim for a "pre-existing conidition" that didn't exist!

Posted: 08/31/2021

They are saying that my kitty, Sapphire, had a pre-existing condition, and this isn't true. I joined Eusoh because I thought it was different from Insurance. I've paid into Eusoh every month, and then when I have a need, I'm denied. If I had known it was going to be like this, I could have saved my money to pay for her expenses instead of giving it away to this greedy company.

Claim Amount

Mixed Breed

Age of Pet
1 - 8
Out of 10

Customer service is great, Embrace doesn't just write the policy, they help with question and claims

Posted: 04/26/2021

Embrace files your claim fast and will reach out with questions for you and will help with your questions.
I'm very pleased with this pet insurance. I have two dogs on this plan

Claim Amount

Mixed Breed Large (70–90 Lbs)

Age of Pet
1 - 8
Out of 10

I love Eusoh

Posted: 10/27/2020

I have had Eusoh for over a year for both my cats, Buddy and Coco and I absolutely love having the peace of mind that comes with our community membership! Both my cats are indoor and healthy, so I never really thought I'd need to have any form of policy -- however, Coco has had some UTI issues recently, and being able to offset those costs has been a godsend. I love being able to see where my contributions go each month and, compared to insurance options, having a full wellness plan ~$30/month has been fantastic!!!!! Highly recommend!

Claim Amount


Age of Pet
1 - 8
Monthly Cost

$17-$65 max, depending on the monthly expenses in the community.
The current average for dogs is $45 and $33 for cats.


Comprehensive: accident, illness, and wellness. ~80% reiumbursement, based on the average national pricing for a procedure. A regional variance in veterinary costs is taken into account.

Payout Limits

$8,500 annually


$250 out-of-pocket

Age Limits

No age limits

Waiting Period

30 days


-    Pre-existing conditions
-    Spaying/neutering
-    Routine Medications (Flea, tick, heartworm)
-    Dental cleanings
-    Non-prescribed supplements
-    Medicated baths
-    Grooming
-    Food
-    Cosmetic-related expenses
-    Breeding-related expense

Insurance is complicated, costly, and confusing, so we've developed a simpler and more affordable way to share the costs of accidents, diseases, and preventative care. Eusoh uses scalable technology and taps into the power of community to make veterinary expenses more affordable and transparent. Eusoh is NOT insurance - instead, it provides the same financial protection through the only community-based cost-sharing solution available today. 

Eusoh works by bringing together pet owners to help share the costs of veterinary care. Instead of paying monthly premiums, members share costs only if expenses are submitted to the system. Each member maintains a deposit account that ensures that funds are always available for reimbursement when a community member has an expense. Members submit costs and the system evaluates which costs can or cannot be shared by other members. At the end of each month, the system calculates each member's contribution to community expenses, members are notified of their contributions, and reimbursements are made. Each member’s monthly costs will never exceed $65 in a month (including their $17 subscription fee) and are usually far lower. 

Treatments are shared using the national average cost of each procedure plus a variance to account for regional differences. Check what is shareable below.


Services Shareable Not Shareable
Annual Check-ups  
Hereditary Conditions  
Congenital Conditions  
Prescribed Medications  
Alternative Treatments  
Wellness Care*  
Ear Crop/Tail Dock  


*Does not include dental cleaning, grooming, nail trimming, or routine meds (flea / tick / heartworm). Includes annual exam and routine vaccinations (rabies / distemper / leptospirosis)


Eusoh empowers our members with the tools they need to save on the high costs of veterinary care. There are no specified veterinary networks that you have to use, we have comprehensive pricing lists, allow instant expense submissions, offer fraud monitoring and community support which all make Eusoh the better way to protect your pet.