This content was reviewed by our licensed insurance agent, Michelle Schenker.
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Is Eusoh pet insurance? No, but Eusoh is similar to pet insurance because it reimburses you for your pet’s medical, wellness, illness, and routine care expenses. And like pet insurance, Eusoh doesn’t cover pre-existing conditions.
So what gives? Is it better than pet insurance, and could it help you pay for your pet’s vet care? We answer all this and more in our Eusoh review.
Eusoh Overall Rating
Our team rates pet health plans based on several factors, including policy coverage, customer service and reputation, claim repayment, price of policy, plan customization, and more.
Pros & Cons Comparison Table
|Reimburses illness, injury, and wellness expenses||No apps|
|30-day money-back guarantee||Doesn’t reimburse for spay/neuter, breeding, grooming, supplements, preventative medications, food, dental cleanings, pre-existing conditions, and more|
|BBB rating: A+||Reimbursement percentage, annual limit, and out-of-pocket amounts aren’t customizable|
|Offers pre-approval of estimates/procedures in advance of treatment||Live chat is slow to respond|
|Multiple forms of customer support: live chat, phone, email, FAQ||Get-a-quote feature is slow|
- Eusoh isn’t pet insurance (you can learn about your pet insurance options here)
- It’s considered a pet insurance alternative
- Community-based health sharing plan
- Pet parents directly fund each other’s vet expenses
- You choose your vet, pay for the services, submit the invoice and proof of payment to Eusoh via your internet-enabled device, and wait for reimbursement
The list below is what’s included in Eusoh’s community coverage.
- Emergency care (e.g., difficult breathing, hit by a car, etc.)
- Accidents (e.g., bloat, poisoning, etc.)
- Illnesses (e.g., allergies, diabetes, etc.)
- Orthopedic issues (e.g., arthritis, hip dysplasia, ACL tears, etc.)
- Hereditary conditions (e.g., degenerative myelopathy)
- Prescription medications (e.g., gabapentin, clomipramine, etc.)
- Routine care (e.g., vaccinations, heartworm testing, etc.)
Eusoh doesn’t reimburse for spaying/neutering, breeding, grooming, non-prescribed supplements, food, declawing/dewclaw removal, ear cropping/tail docking, medicated baths, nail trimming, dental cleanings, preventative medication (e.g., flea & tick or heartworm treatments), and pre-existing conditions.
- Dogs: $75/month
- Cats: $35/month
- View all options
Eusoh also charges a one-time, refundable deposit to set up your account. At the time of writing, this fee was $48.
Your Eusoh membership has the following coverage:
- 80% reimbursement
- $8,500 annual limit
- $250 annual out of pocket
- No premium
Learn about reimbursement, annual limits, premiums, and other pet insurance costs to know what they are and how they compare to Eusoh.
Our readers can get $4 off the $17 monthly subscription price with code LUCKY. Use this link to get started and take advantage of this offer.
For each expense you submit, you’re responsible for the annual out of pocket ($250) as well as your member share (20%). The community will share the expense of the remaining 80%.
Here’s how this equation plays out:
- Total vet bill – $250 annual out of pocket – Your 20% member share = Estimated reimbursement
Here’s an example of how reimbursement would work for a $1,000 vet bill:
- $1,000 (vet bill) – $250 (annual out of pocket) – $150 (your member share) = $600 (reimbursed amount)
Reimbursable amounts are based on the average pricing in Eusoh’s Procedure Guide plus/minus a regional variance. So if your dog’s procedure costs higher than the national average, then you’re responsible for paying any amount over that variance, and that portion isn’t cost-shared by the group. The Procedure Guide is only accessible to the Eusoh community, but Eusoh states that it is constantly updated to accurately reflect available procedures and average costs.
With pet insurance, you’re quoted a flat monthly fee for the policy term (one year), and the monthly fee can change each policy term depending on the rising costs of vet care. So, you may be able to get pet insurance for your puppy for around $45 per month for six years. Then, as your dog ages, you may see the monthly price become more comparable to Eusoh’s monthly price or surpass it. Each pet and pet insurance company is truly different, so there’s no one-size-fits-all plan.
The other thing that is really different between Eusoh and pet insurance is that you can adjust your pet insurance coverage to fit your budget. Eusoh’s coverage details are set with an 80% reimbursement, $8,500 annual limit, and $250 annual out of pocket. Depending on the pet insurance company, you may be able to choose up to 100% reimbursement, unlimited annual limits, and $0 deductible or less than the limits set with the Eusoh policy.
We suggest getting pet insurance quotes from multiple top-ranked companies to see how much pet insurance would cost for your dog and what type of coverage you could get with that price. Having these prices and plans to compare to the Eusoh plan is a helpful way to ensure you find the best fit for your needs. You can also learn if pet insurance is worth it, and read about the best pet insurance, including our top three choices, best price, best wellness coverage, and more.Tagged With: Review, Reviewed By Insurance Agent