You love your pet and want to see them happy and healthy, but paying for unexpected pet care emergencies, chronic illnesses, wellness checks, and vaccines can be a costly endeavor.
To manage these costs, many pet owners turn to pet insurance, but that can also be pricey and could still leave your pet vulnerable to pre-existing conditions most pet insurers won’t cover. Eusoh offers a pet insurance alternative that brings together like-minded pet owners to share costs, meaning there are no monthly “premiums” and often fewer restrictions when it comes to health care and what’s not covered.
It can be difficult to find the best pet insurance, but is the Eusoh cost-sharing service right for your pet and budgeting needs? Read our Eusoh review to find out.
In this review:
- Benefits of Eusoh
- Downsides of Eusoh
- What Does Eusoh Cover?
- How Much Does Eusoh Cost?
- Where Is Eusoh Available?
- Eusoh Customer Service
Eusoh Review: An Alternative to Pet Insurance
Eusoh began accepting “early access” membership in 2017 and went live in 2018, making it fairly new to the pet health care scene. Eusoh uses a technology-based community approach to pet health care expenses that acts to replace traditional insurance with a platform that relies solely on “group” members that share in the costs associated with veterinary care.
In this platform, payments aren’t based on risk, as is the case with traditional insurance premiums. They’re based on the needs of the group, which can be made up of individuals you know or even strangers. Costs are real-time and shared among all group members after they’re incurred, although there are limits to how much members pay each month.
All Eusoh members are required to pay a monthly $10 subscription fee separate from their contributions to other group members. The subscription fee is Eusoh’s only source of revenue, as the company does not make money off members’ deposit funds or shared costs.
Benefits of Eusoh
One of the major benefits of Eusoh is there are no premiums and monthly fees are not based on risk. There are also no minimum or maximum age requirements, and owners of pets with pre-existing conditions will pay the same basic fees as other members, provided their chosen group has agreed to cover those conditions.
Joining is easy and there are no complicated policies to review. Simply join an existing cost-sharing group or create your own — groups must have at least 10 people to be considered active — to benefit from cost savings for your furry friend’s medical care.
In addition, because you can choose one or more groups and groups set their own limits, like accepting or not accepting pre-existing conditions, pet owners may be able to secure coverage for certain conditions or breeds even if they were unable to do so with traditional insurance companies.
Downsides of Eusoh
After signing up for Eusoh, you must wait a full month before you become eligible to submit an expense for reimbursement. The expense itself has to occur after the waiting period ends. This is a bit longer than many traditional pet insurance options, so if you want pet insurance without a waiting period, Eusoh won’t fit the bill.
You’ll also need to consider the prices set by your vet and how they relate to your Eusoh group. If you choose to work with a vet that charges above-average prices, the group will only be responsible for covering up to the average cost of the service or procedure, plus a small variance to account for price differences across the country. Though this may not be a problem for many users, it is something to keep in mind if your vet is known to be a bit pricier than others.
Finally, it’s worth noting that Eusoh is still quite new, so there aren’t a lot of Eusoh reviews to provide insight into the customer experience. Members also commit to one year of cost-sharing when they join a group. If you change groups, you’ll forfeit your initial $48 deposit and must submit a new one.
What Does Eusoh Cover?
Cost sharing is not available for spaying/neutering, declawing, or ear cropping/tail docking. However, the following services are covered:
- Wellness care
- Alternative treatments
- Prescribed medications
- Congenital conditions
- Hereditary conditions
- Annual check-ups
Since coverage also relies on the rules as they apply to a single group, some groups may exclude certain illnesses, including pre-existing conditions. Be sure to review group policies before you make the one-year commitment.
How Much Does Eusoh Cost?
Eusoh requires members to pay an initial $48 deposit upon signing up. Portions of the deposit are drawn when expenses occur, and once that deposit is used to cover group claims, members must deposit another $48. Theoretically, this may mean you can go several months paying just the monthly subscription fee, but you may also find that you are required to pay up to $58 in any given month. (You’ll never pay more than that.)
Members must also pay an initial out-of-pocket fee of $250 for their first claim and are also responsible for covering 20% of their health care costs, with the group covering the remaining 80%. The annual maximum amount you can be reimbursed for vet expenses is $8,500.
Where Is Eusoh Available?
Eusoh is currently available across the United States. The company also plans to expand internationally.
Eusoh Customer Service
Eusoh customer service is available through an online “Help” form on the homepage. Customer support can also be reached via email at [email protected] or via phone at 1-833-500-0574 during normal business hours.
By leveraging new technology, Eusoh offers a unique pet insurance alternative that may be a great fit for some pet owners. There are definitely benefits to this community-based model, particularly for those who feel traditional pet insurance isn’t worth the cost or simply doesn’t meet the needs of their pet.
However, keep in mind that costs can vary from month-to-month based on group activity. If you’d prefer the predictability of standard monthly premiums or need higher benefit limits, Eusoh may not be right for you. Instead, consider one of the flat-rate “pet wellness plans” described in our Wagmo review, or opt for a traditional pet insurance policy.