Eusoh Pet Insurance Reviews

Eusoh Company Information

Year Founded: 2017
Address: 1100 Glendon Ave
City: Los Angeles
State: California
Country: United States
Price Range: from $17 per month
Website: eusoh.com

Insurance for your beloved pet may, at some point, be out of reach. Eusoh provides an alternative for such a scenario. At times, healthcare bills are overwhelming, and you need a helping hand. Even with insurance cover, you may have a policy that doesn't address the specific medical need at hand, and it may be one needing a hefty cash payment. Eusoh avails a crowd-sharing platform for the affordable, transparent, and safe sharing of pet healthcare bills.

It is important to note that this avenue is not an insurance option. Eusoh provides a similar financial cover via a community-based approach through a cost-sharing network. The larger group consists of pet parents and pet lovers who converge and form smaller units that share veterinary expenses — all funds paid into the group for medical care assists in clearing medical bills. There is no interference or deductions by Eusoh.

This tight-knit group doesn't expect monthly premiums, only a $10 monthly subscription. Even with a flexible set of financial obligations, Eusoh avails a comprehensive list of services. The only other charge is a refundable $48 deposit paid as a membership fee. In the autonomous setup, the monthly community-sharing payments never exceed the set limit of $58 (the $10 monthly subscription and a $48 cost-sharing amount). On many occasions, the amount is lower than $58.

Eusoh Pet Insurance Cost

The initial out of pocket amount is $250. Upfront payment caters to your costs before your group steps in to share your medical expenses. Your member share is the percentage of the submitted amount that remains your responsibility and stands at 20 percent. The community caters to the remaining 80 percent. The annual maximum reimbursement is $8,500, which is enough to cater for most pet healthcare needs.

Groups require at least ten members to achieve an active status, with Eusoh services available for pet parents across the US. Currently, there are plans for international expansion.

Waiting Period

30 days

Reimbursement Percentage

~80%^*

^*Reimbursement percentages are based on national average pricing + a geographical variance.

Annual Out of Pocket

$250

Eusoh Pros and Cons

Advantages of Eusoh

There are several advantages to joining a Eusoh group:

• No premiums
• No stringent age restrictions, with no minimum and maximum pet ages, considered
• Pets with pre-existing needs to get healthcare support with no additional charges after the group agrees to cover the specific conditions
• The sign-up process is simple
• Eusoh caters to health issues that some insurance companies don't. For instance, congenital or hereditary conditions are reimbursed once the group accepts.

Disadvantages

Inevitably, there are some downsides to working with Eusoh:

• Should you pick a vet that charges slightly higher, you may end up paying more money out of pocket. Groups only reimburse the average costs plus a variance
• After joining, you're not eligible for reimbursement for a month. That's where the initial $250 payment comes in to cater to your medical costs within that duration. If you want support with medical expenses within a shorter period, you need insurance
• The platform is relatively new. A lack of a reasonably long track record means an absence of reviews that give an insight on user experience thus far
• Changing groups has consequences too, as such action sees you forfeit your $48 deposit, requiring the submission of a new one

Despite the above downsides, Eusoh provides an inspired alternative to conventional pet insurance. The procedures are less complicated, meaning that there are no hidden charges or vague fine print in the dealings with Eusoh.

Conclusion

In a world that's increasingly embracing technology in healthcare and the avenues used to access medical services, Eusoh is an infinitely ingenious platform. Traditional insurance companies have set monthly premiums, which prove a hurdle if one has an irregular paycheck. Defaulting on your premiums often attracts penalties, and the cancellation of your policy. Eusoh, on the other hand, provides a straightforward solution to health insurance needs.

Considering that pet healthcare costs vary according to state and area of residence, joining Eusoh means avoiding animal clinics that charge above-average treatments and medication. The operative criteria in reimbursements are the average cost, meaning that you only go for licensed clinics with standard charges to avoid high out of pocket payments each time your furry friend visits the veterinary.

Eusoh Pet Insurance Plan

The cost-sharing procedure kicks off with a submission for medical costs by a member. After that, the system calculates the specific amount each member ought to pay to offset the filed request. This calculation is at the end of the month, as payments come monthly. Each member gets a notification of the community contribution, after which cash payments cater to the bills submitted.

Medical costs vary according to state. The cash from group contributions pays the fees for veterinary procedures plus the variance due to the state of residence.

Eusoh communities cover the following:

• Injuries
• Annual check-ups
• Illnesses
• Cancer
• Congenital conditions
• Hereditary conditions
• Alternative treatments
• Prescription medication
• Wellness care

Your Eusoh community doesn’t cover the following:

• Declaw or declaw removal
• Ear cropping or tail docking
• Spaying or neutering
• Food expenses
• Breeding expenses