Pet Insurance Blog

Is Eusoh Pet Insurance Good? Here's How It Stacks Up

Kari Steere
Licensed Insurance Producer - Pawlicy Advisor
woman petting dog at home

Eusoh is not exactly pet insurance, but rather a community-based pet health plan that allows pet owners to join groups and fund each other’s veterinary costs. It’s similar to pet health insurance because it reimburses owners for their pet’s medical expenses, but is it a better option when it comes to managing pet care costs?

Compare Top Pet Insurance Providers

Read our Eusoh review to learn more:

What is Eusoh?

Established in 2018, Eusoh is a new pet insurance alternative that’s based on a community pool of funds. It allows pet parents to join groups and combine their veterinary funds together to directly pay for each other’s pets’ healthcare expenses.

Traditional pet insurance requires you to pay a monthly premium at a fixed rate for the duration of the policy, but with Eusoh, pet parents only pay for their group’s actual cost of care. In general, groups contain at least ten members.

The Eusoh review published by the Better Business Bureau gives the accredited business an A+ rating.

Available plans

Eusoh offers a single, standardized plan that covers most veterinary expenses related to illnesses, accidents, and routine care. The Eusoh service list includes:

After you have been accepted into a community, there is a 30-day waiting period before you can submit any claim. You must also pay a $250 deductible before you’re able to receive an 80% reimbursement for the total cost of covered services, meaning you’ll always be responsible for paying the remaining 20% (or 100% of the cost for excluded services). The maximum annual amount you can receive in payouts is $8,500.

Exclusions

Eusoh doesn’t cover pre-existing conditions, meaning any health condition your pet may have developed before signing up or within the first 30 days of coverage.

The following are also excluded from the list of Eusoh’s covered services:

  • Spaying/neutering
  • Tick, flea, and heartworm prevention
  • Elective procedures like grooming, declawing, ear cropping, and tail docking
  • Dental cleaning
  • Breeding
  • Non-prescribed supplements
  • Pet food

Pricing

Eusoh costs $17 per pet each month in service fees (as of January, 2022). This is the company’s only source of income, and is never spent on pets. Members are asked to pay an initial $48 deposit to the group fund upon signing up. Portions of the pooled deposits are used to cover the group’s claims, and the communal fund must be refilled every month. All unused contributions roll over to the following month.

To determine how much money needs to be added back into the pot, Eusoh tallies up the costs for all the group’s reimbursed claims then divides the total amount evenly by the number of group members. That means every member pays the same amount, no matter how much they submitted in vet bills that month. Members are never required to pay more than $65 monthly ($17 in fees plus a maximum of $48 in deposits), even if the group’s expenses surpass that amount per person.

On average, the cost of a Eusoh membership is around $29 for cats and $41 for dogs each month. There are currently no Eusoh coupons or discounts available, but the company does offer a referral bonus of $40 for every pet you refer to the community.

Claims

The process of submitting claims to the Eusoh community is similar to most pet insurance companies. If your pet needs to see the vet, you pay upfront and then upload an image of the vet bill to Eusoh. Your claim will be reviewed and you will be able to withdraw the funds you are approved at the end of each month by direct deposit.

What we like about this coverage

One of the biggest upsides of Eusoh is that there are no monthly premiums and no maximum age restrictions, which can be helpful for those struggling to find pet insurance for older pets.

Joining is very easy and coverage is fairly comprehensive. Apart from common illnesses and accidents, Eusoh also accepts vet bills for preventive care (which is typically covered under a separate pet wellness plan added onto a pet insurance policy).

The company has a 30-day money-back guarantee and offers several forms of customer support including live chat, email, phone, and FAQ page.

What could be improved

Once you are accepted to a group, you won’t be able to submit claims for 30 days. This is a rather long waiting period compared to pet insurance policies, which typically require pet owners to wait from two to 15 days, depending on the type of treatment.

The maximum annual reimbursement of $8,500 is on the lower end of options offered by pet insurance companies. Insurance providers typically allow policyholders to choose limits from $5,000 to $20,000, and some offer unlimited payouts.

If your veterinarian charges above-average prices, any cost that surpasses Eusoh’s list of service benefits will be your responsibility to pay. The company sets its benefit schedule based on average pricing in your region, so the group will not cover higher-than-average costs.

Although your monthly costs will not exceed the limit of $65 per pet, the price you pay is variable and there is no way to know exactly how much you will be billed each month. This could make budgeting for pet care difficult.

When you join a group, you commit to a 12-month membership. If you want to leave or change groups, you will forfeit your initial deposit of $48.

Is Eusoh worth it?

Eusoh offers a unique pet insurance alternative that might be a great fit for some pet parents. However, you should keep in mind that costs can vary from month to month based on group activity.

Compared to pet insurance, Eusoh is less flexible, with a pre-determined deductible, annual limit, reimbursement rate. With pet insurance providers, you can choose unlimited annual limits, $0 deductible, and up to 100% reimbursement, and customize the plan to fit your budget.

We recommend getting quotes from multiple leading providers to see how much a pet insurance policy for your pet would cost. Our pet insurance blog is a good place to get started. You can also get personalized pet insurance recommendations using Pawlicy Advisor's search tool. Comparing pet insurance policies and prices to Eusoh’s plan will help ensure that you find the best fit for your pet’s needs.

Compare Top Pet Insurance Providers

Do you want to find the best pet insurance?

Let's analyze your pet's breed, age, and location to find the right coverage and the best savings. Ready?

Analyze My Pet

About Pawlicy Advisor

The pet insurance marketplace endorsed by veterinarians, at Pawlicy Advisor we make buying the best pet insurance easier. By comparing personalized coverage and pricing differences we can save you a ton of money, up to 83% in some instances!

Pawlicy Advisor helping a pet parent and their dog find a great deal on insurance

Instantly Compare Pet Insurance Plans

Get Quotes

Guides

How Pet Insurance Works

How To Compare Plans

Determine If Pet Insurance Is Worth It

Determine If Wellness Plans Are Worth It

Vet Visit Costs

New Puppy Checklist

Comparison Charts

ASPCA vs. Pets Best

Pets Best vs. Embrace

Embrace vs. Pumpkin

Pumpkin vs. MetLife

More Comparison Charts

Find Your State

New Jersey

California

Florida

Oregon

Texas

New York

Colorado

Pennsylvania

More States

Dog Insurance

German Shepherd

Rottweiler

Akita

Boxer

English Bulldog

French Bulldog

Great Dane

Pug

Corgi

Chihuahua

Poodle

More Breeds

Kari Steer, Licensed P&C Insurance Agent at Pawlicy Advisor

Kari Steere
Licensed Insurance Producer - Pawlicy Advisor

Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor, she runs a ranch in Oregon and rehabilitates any animals that come across her path.

More you might like

blogger next to dog
8 minute read

10 Tweets That Show Why Dog Insurance Is Worth It

cat on laptop
7 minute read

10 Tweets That Show Cat Insurance Is A Good Decision

Synchrony and Pawlicy Advisor logos with pets
4 minute read

Synchrony Partners With Pawlicy Advisor To Offer First-Of-Its-Kind Pet Healthcare Financing Option

woman hugging pug while holding laptop
7 minute read

Pet Insurance Alternatives To Consider

hand petting dog
5 minute read

Is Odie Pet Insurance Good? Here's How It Stacks Up

woman reading tablet near dog
4 minute read

How Many Pet Owners Have Pet Insurance in 2021?

boston terrier shaking paw
6 minute read

Is TrustedPals Pet Insurance Good? Here's How It Stacks Up

vet checking dogs teeth
4 minute read

How & Where To Buy Pet Dental Insurance

woman hugging dog at desk
5 minute read

Is ManyPets Pet Insurance Good? Here's How It Stacks Up

cat on table
4 minute read

Is There Cat Insurance That Covers Everything? It Depends

portrait of two cats
6 minute read

Which Cat Breeds NEED Pet Insurance?

cat standing between owners legs
5 minute read

Does Free Cat Insurance Exist?

outdoor cat
5 minute read

5 Reasons Why Outdoor Cats NEED Pet Insurance

multiple pet cats in house
4 minute read

Can You Have More Than One Cat Insurance Policy?

white cat in doorway
11 minute read

Is Pet Insurance Worth It For Indoor Cats?

online shopping with cat
4 minute read

How & Where To Buy Cat Insurance

happy woman holding cat
4 minute read

How To Get Cheap Cat Insurance Rates

woman using app with dog
4 minute read

24PetWatch Pet Insurance Review

dog interrupting woman on laptop
4 minute read

AAA Pet Insurance Review

family photo with dog
4 minute read

American Modern Pet Insurance Review

woman petting cat while working
5 minute read

What Cat Insurance Do You Need? It Depends

couple petting kitten
5 minute read

Bivvy Pet Insurance Review

woman on laptop playing with cat
6 minute read

When To Buy Cat Insurance: A Licensed Agent's Perspective

female kissing puppy on bed
6 minute read

Petco Pet Insurance Review

man petting australian shepherd
2 minute read

SWBC Pet Insurance Review

military couple sits with dog
2 minute read

Armed Forces Pet Insurance Review

girl holds cat's head in hands
5 minute read

PetPremium Pet Insurance Review

family and dog in rv
2 minute read

American Family Pet Insurance Review

get pet insurance through Pawlicy Advisor on TheZebra.com
2 minute read

Pawlicy Advisor Announces Partnership with The Zebra

dog with woman on computer
6 minute read

Is Farmers Pet Insurance Good? Here's How It Stacks Up

blue ribbon dog show winner
5 minute read

Is PetPartners Pet Insurance Good? Here's How It Stacks Up


5 minute read

Can You Switch Pet Insurance?

family at vet with dog
9 minute read

Pet Insurance vs Human Health Insurance

family in the kitchen with cat
4 minute read

Is Costco Pet Insurance Good? Here's How It Stacks Up

dog sits at desk with man
5 minute read

Allstate Pet Insurance Review

professional trainer walks dog pack on leash
4 minute read

Spot Pet Insurance Review

man petting golden retriever
5 minute read

Is USAA Pet Insurance Good?

beagle happy to get pet insurance
4 minute read

Liberty Mutual Pet Insurance Review

woman on computer next to dog
6 minute read

NAPHIA Director Kristen Lynch On Pet Insurance Market Penetration

Kitten gets scratch under skin
5 minute read

AKC Pet Insurance Review

Black and orange cat receives pet
5 minute read

Nationwide Pet Insurance Review

Man holding beagle dog
6 minute read

Geico Pet Insurance Review

Chocolate puppy held by owner
5 minute read

Progressive Pet Insurance Review

Pug puppy and young woman
7 minute read

Is Healthy Paws Pet Insurance Good?

Trupanion pet insurance can pay your veterinarian directly. But is it good pet insurance? Here’s what you need to know.
5 minute read

Is Trupanion's Pet Insurance Good?

Man holding new puppy
10 minute read

When's The Best Time to Get Pet Insurance?

Old Beagle dog sitting next to senior woman
9 minute read

Is Pet Assure Any Good? Here's How It Stacks Up

Woman sitting at desk signing paper with dog on lap
9 minute read

When Is Pet Insurance A Great Decision?

Beagle dog waiting
7 minute read

How Soon Does Pet Insurance Take Effect?

Woman hugging black dog with open mouth
8 minute read

Pet Dental Insurance: How to Find the Best Plan

Back to Blog
A family with pets that are insured by Pawlicy Advisor
Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate.
Join 2,438,795+ insured dogs and cats across the US.
Get a Quote
Our pet insurance partners
ASPCA Pet Health Insurance Logo
Pets Best Pet Insurance Logo
Embrace Pet Insurance Logo
Pumpkin Pet Insurance Logo
MetLife Pet Insurance Logo
Prudent Pet Insurance Logo