How to Save 80% with Eusoh – a Peer-to-Peer Vet Bill Sharing Service

Eusoh (pronounced as “you-so”) Pet Health Plan is a peer-to-peer cost-sharing service that lets you reimburse up to 80% of your vet bills. Eusoh is unique because it is not insurance but works to reduce your vet bills without the limitation on the age and breed of your dog.

In this article, we will go through what is Eusoh, why do you need it, what is covered and what is not, and other related questions you may have. If you are looking for ways to save on your vet bill, you are in the right place.

Key Takeaways

  • Up to 80% of your pet’s medical cost will be shared among your group members
  • You will never pay more than $65 per month per pet
  • Waiting period: 30 days
  • The annual maximum reimbursement: $8,500 per pet, per year. 

What is Eusoh?

Eusoh Pet Health Plan is a community-based subscription service where its members pay a monthly subscription fee (currently $17 per pet) to get their vet bill reimbursed up to 80%. 

As a member, you only pay (contribute your share) for costs of vet bills after they occur among the members.

Why Eusoh?

When you sign up for the service, you will be asked to join a group. And as a group member, you will always know who in your group you’re supporting and Eusoh guarantees you will never pay more than your monthly max! (The current cap is $65 per month).

Their subscription fee (currently $17 per pet) is the only way that they make money – their revenue isn’t linked to premiums or how much or how little you spend a month. 

Eusoh doesn’t make more money by not helping you out.

How does Eusoh work?

When you go to the veterinarian, you will pay for services upfront and submit your invoice/receipt to the Eusoh community for reimbursement. 

Your reimbursement amount is based on national average pricing (compiled in our Procedure Guide) plus a variance to account for differences in pricing across the country.

The expense is then shared with your group and the rest of the Eusoh community to disperse the burden fairly between members. 

The funds to help share those expenses are drawn from your deposit balance as needed. At the end of each month, you will refill that balance back to $48 to ensure funds are available to continue sharing expenses.

Additionally, should the costs get more expensive, the system brings more community members in (from other groups) as needed to help share the expense at a reasonable cost to you.

Why do I need Eusoh?

Do you know?

  • Every 2 ½ seconds, a pet receives emergency medical care 
  • Every 6 seconds, a pet owner is faced with a vet bill of $3,000 or more

With Eusoh, 80% of your vet bill will be shared by other group members. In other words, it lets your pet live more healthily by making your vet visits more affordable.

German Shepherds earn the name “land-shark” for good reason – they are full of energy and they chew, they swallow, and they fetch. And it is not uncommon for their owners to bring them to the emergency room more often than other dogs.

The chart below provides a general breakdown of broad categories of diagnostics & treatments your pet may need at an emergency veterinary clinic. These costs will range depending on where you live in the USA, how many vets are in your area, and the time of care. 

ProcedureSmall DogsLarge Dogs
1-2 Day Hospitalization
(vomiting/diarrhea, seizures)
3-5 Day Hospitalization
(kidney failure, blocked cat, parvo)
Emergency Surgery
(bloat, foreign body, hit by a car)
General Bloodwork$80-200$80-200
Oxygen Therapy
(heart failure, pneumonia, asthma)
Wound Treatment & Repair$800-2000$1000-2500
Source: Emergency Vets USA

German Shepherds, of course, are considered large dogs. Thus, the costs for emergency treatment are generally higher than that of small dogs.

What is covered by Eusoh?

Injuries (accidents), illness, annual checkups, cancer, surgeries, prescribed medications, alternative treatments, wellness care, hereditary conditions as well as congenital conditions are covered by Eusoh.

What is covered in Eusoh?

Please remember that for certain conditions, such as hereditary or congenital conditions, pets are eligible for coverage so long as the signs and symptoms first manifest after enrolling, including any applicable waiting periods.

What is not covered by Eusoh?

Anything that occurred prior to joining Eusoh (including previously prescribed medications) cannot be submitted for reimbursement and must be listed on your pet’s questionnaire during the registration process.

Expenses that are not shareable in the Eusoh community are as follows:

  • Routine Medications (Flea/Tick/Heartworm Preventatives)
  • Spaying/Neutering
  • Dental Cleanings
  • Non-prescribed Supplements**
  • Declawing/Dewclaw Removal
  • Ear Cropping/Tail Docking
  • Medicated Baths
  • Grooming
  • Nail Trimming
  • Food
  • Breeding-Related Expenses/Pregnancy
  • Pre-Existing Conditions*

This is to make sure their members are not submitting expenses for the same expected or monthly/routine expenses –  it turns into a system where they are simply trading dollars and driving up monthly sharing costs for everyone.

How much will I pay for Eusoh?

Eusoh guarantees you will never pay more than your monthly max! (The current max is set at $65/month). And your monthly payment consists of two components:

Monthly Payment = Subscription Fee ($17) + Expense-Share Contribution

Your monthly subscription fee is $17 per pet. Your expense-share contributions will vary depending on how many expenses are submitted to your group and Eusoh community that month. 

On Eusoh homepage, the average member contribution per month over the last 3 months. You will always know who in your group you’re supporting.

Can you provide an example of reimbursement?

With Eusoh, your group shares 80% of any eligible vet bill. This means that you’re responsible for 20% of any expense that you submit to the system. 

Here’s an example:

Your dog swallows a grape and you pay a bill of $1000.

Here’s how Eusoh helps you: after your initial out-of-pocket of $250 and your member share of 20%, the Eusoh community kicks in to reimburse you $600. 

The next month, your dog has a small skin infection. The cost of that treatment is $350. Since you have already paid your initial out-of-pocket, you only pay your member share of 20% and the rest is shared by your group. That’s a savings of nearly $1000!

What is my annual out of pocket (OOP)?

Your annual out-of-pocket per year is $250. Similar to a deductible, your out-of-pocket is the amount that you pay for your own costs (directly to your vet) before your group can begin sharing your expenses. 

This amount is a base amount that all pet owners should be expecting to spend every year for basic wellness. 

Please be aware, that because Eusoh is not insurance, the 20% member share still applies to all expenses submitted to the Eusoh system, regardless of whether the OOP has been fulfilled or not. Additionally, reimbursable amounts will be based on the average pricing in our Procedure Guide ± a regional variance.

Over to you

2 out of every 3 pets will experience a significant health problem during their lifetime. And you know it will not be cheap. Some people avoid insurance because they think it is not worth it. And to make it worse, insurance premiums are much higher for senior dogs than young dogs. But that’s not the case for Eusoh. 

The best thing with Eusoh is that you will always know how much you are paying each month. If you want your German Shepherd to have access to vet care without breaking your bank, Eusoh may be your choice.

Further questions

Can I use my own vet?

Yes! With Eusoh, there is no network of providers, use any veterinarian you want!

Is there an age or breed restriction?

No, the Eusoh community accepts pets of all ages and all breeds!

Can I have a look before I decide?

Yes! If you want to see how Eusoh works, simply go to Eusoh and create a free account. Until you join a group there is no cost of membership. You can explore our system and see how Eusoh can help better protect you and your family while saving you money.

Do you have a multi-pet discount?

Yes. If you add more than 2 pets, the 3rd and 4th pet will have a $10 subscription fee! If you have more than 4 pets, the 5th pet (and on) have a free subscription!