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

8.7 Out of 10
60 Days 1 Year Lifetime
Rating 10.0 7.3 8.7
Count 1 4 15

Eusoh Pet Insurance Reviews

10
Out of 10
Recommended
Posted: 05/14/2019
By:
Shelley
Overman

My experience with Eusoh has been great. Though we don’t go to the vet often, it is good to know that I have a community to lean on should anything happen. I also love that my contributions go directly to other pet owners and their furry friends. The...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 05/14/2019
By:
Shaina

I am blown away at how great Eusoh has been. My premiums are so low that I hardly notice them yet I’m still able to get amazing pet care. I love this service and I only hope one day all insurance will work like this. It’s easy to use, financially...

Injury/illness
Claim Amount
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 05/14/2019
By:
Daniel
Eshaghian

During the time that I have been a member at Eusoh, I have needed emergency services for my dog twice. One time after being attacked by a coyote and the second because he got very sick. Aside from the significant financial gain that I received, the...

Injury/illness
Claim Amount
Breed

Mixed Breed

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.

Coverage

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

Deductible

$250 out-of-pocket

Age Limits

No age limits

Waiting Period

30 days

Exclusions

-    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
Injuries  
Illnesses  
Annual Check-ups  
Cancer  
Hereditary Conditions  
Congenital Conditions  
Surgery  
Prescribed Medications  
Alternative Treatments  
Wellness Care*  
Spay/Neuter  
Declaw  
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.