Want to know how Eusoh works?
Here's everything you need to know to understand how Eusoh works and how our commmunity helps you!
What is Eusoh?
Eusoh (you-so) is a simple, affordable, and community-based alternative to insurance. The Eusoh platform empowers people to share the costs of life in a fully transparent and remarkably easy way.
What does that mean?
Insurance companies manage risk, making big profits from collecting and storing money. Instead, we crowd-share only after the costs have occurred, avoiding the costs seen in traditional insurance. The way we do things is very different, but the overall effect is a HUGE saving in costs. Unlike other policies or agreements that you have around protecting your loved ones, we are not insurance. We are just an extension of those closest to you – a gathering of your neighbors, friends, co-workers, and family that has the same mission: better, more affordable protections for our pets and peace of mind for our finances. So that, if something does happen (because it will), you are protected.
Is Eusoh insurance?
We are not insurance and we don’t pretend to be. Insurance companies collect premiums in advance and manage risk. We don’t. Because we only pay for costs after they occur, there is no monthly premium we collect in advance. The costs are shared through the system to disperse the burden fairly. There is a subscription fee to utilize our system, but this is independent and not tied to your monthly contribution. Unlike an insurance company, our revenue isn’t linked to premiums or how much or how little you spend a month. We don’t make more money by not helping you out. We purposely disconnected our revenues to ensure our interests are always aligned with yours.
What is a group?
The Eusoh community is comprised of several different groups that have come together to share in the costs of veterinary care. Whether it be friends, family, or people that share similar interests, members have come together to share expenses and ensure the best care for their pets. Check out some of our available groups or feel free to join the one that you like best!
What is reimbursable/shareable?
Check out our services list if you have any questions regarding an upcoming expense. Just remember, you must wait 30 days from your initial sign up before you can submit an expense and that expense has to have occurred after the waiting period ends. Eusoh reimburses the average cost of procedures plus a small variance. This variance accounts for differences in prices across the country (i.e. a procedure in Gramercy Park could be more expensive than Mobile)
Where is Eusoh available?
Eusoh is currently available in the US but our international expansion is coming soon! Please email us at firstname.lastname@example.org if you'd like us to keep you in the loop.
Do I even need a safety net for my pet?
Yes! Did you know that 2 out of every 3 pets will experience a significant health problem during their lifetime? Pets are our family. We want nothing but the best care for them but we also want to be smart about our finances. Every 6 seconds a pet owner is faced with a vet bill of $3,000 or more!You don’t want to have to make a decision about your pet’s health care while worrying about whether or not you can afford their treatment. Eusoh is here to give you peace of mind.
What will my monthly payments be?
Your monthly subscription fee is $10. Your expense-share contributions will vary depending on how many expenses are submitted to your group that month. You will always know who in your group you’re supporting and you will never pay more than $58 in a month (and that includes your subscription fee!)!
Do you offer a multi-pet discount?
No. At this point in time, each pet in our community has its own subscription and deposit balance.
How are costs shared?
Costs are shared within your group and community. Members submit costs and the system evaluates which costs can or cannot be shared by other members. The costs are shared throughout the system to disperse the burden fairly. Should the costs get more expensive, the system brings more members in as needed to help share at a reasonable cost to you.
How will I know that I won’t have to spend a crazy amount in one month?
Through some ingenuity and really hard work, the Eusoh founding team has built a fairly remarkable software platform. The modeling on which our software is based has indicated that you should not expect to ever pay more than $48 in any given month. In most months, you will spend significantly less than that. Our modeling is based on extensive industry data and has been validated by some of the best analysts in the insurance industry and academia in the world.
How do I get reimbursed?
When you visit the vet, you'll answer a few questions and upload a photo of the receipt and invoice. The expense will be sent into the system where we will calculate how much can be shared. That amount will be transferred directly into your Eusoh deposit account, where you will be able to withdraw it back to your bank.
What is my deposit?
When you join our community you provide an initial $48 deposit that secures your spot in a cost-sharing group. Small portions of the deposit are drawn only when expenses occur. If needed, you’ll refill the balance to $48 at the end of each month. If your community has a good month of no expenses, you’ll pay nothing to other group members. In any given month, you will never contribute more than the $48 deposit amount. The deposit is your pledge to your community as a promise-to-pay - it lets them know that when the going gets tough, the funds are ready and available for sharing.
Important to remember - when you join a group, you make a 1-year commitment to share expenses with other members. If you choose to leave before that time, you forfeit your $48 deposit.
What is my initial out of pocket?
Your initial out of pocket is $250. Similar to a deductible, each of us ultimately bears responsibility for ourselves before expecting others to do it on our behalf. Your initial out of pocket is the amount that you pay for your own costs before the system can begin sharing your expenses. This amount is a base amount that all pet owners should be expecting to spend on their loved one every year just for basic wellness.
What is my member share?
Your member share is 20%. This means that you’re responsible for 20% of any expense that you submit to the system. The group shares the remaining 80%. It’s that simple!
What is my annual maximum spend?
The annual maximum spend is $8,500. It is the maximum amount you can be reimbursed during a given year for veterinary expenses.
What is my subscription fee?
Subscription fees are $10 per month. Your subscription fee is the only source of revenue for Eusoh. We make no money off our members’ deposit funds or costs that are shared in the system - not even interest. This allows our interests to be 100% aligned with our members' well-being.
Is there a waiting period before my protection starts?
Yes, you must wait 30 days from your initial sign up before you can submit an expense and that expense has to have occurred after the waiting period ends.
One frequently-used method of fraud comes from individuals who have upcoming expenses and join the system, get the expense paid for, and then drop. This is unfair to the honest members and it's an issue that really frustrates us. We want members who are committed to protecting each other’s pets. The ideal situation is that your protection starts immediately - but we have learned the hard way, that when we do this, the frequency of fraud and abuse of the system heavily outweighs the small percentage of owners that experience a bad mishap during that time.
What if I don’t replenish my deposit one month?
Your balance is how we share costs with other members. It needs to be replenished so that you can stay active in our community. We know things happen so if you have any issues or require additional support, please let the Eusoh team know!
Can I cancel at any time?
If you are an active member of a group, you are committed to sharing with your group for 1 year. If you do need to cancel during your annual commitment, you will, unfortunately, be unable to rejoin our system for 1 year and you will forfeit your deposit. However, if you have not joined a group, you are free to cancel at any time.
Can I sign up more than one pet?
Absolutely - we think all pets should have access to the care they deserve!
Can my animal with pre-existing conditions join a group?
We leave those details up to each group. There are some groups that will choose to include unfortunate pets that have ailments already, and other groups that are first-time pet owners with little pups that are just trying to figure everything out. Costs related to the pre-existing condition will not be shareable within the community. There are no limits to what groups you request to join and you can always create your own group as well.
Is my pet protected for life?
Yes! As long as you remain an active member of the community, your pet is protected. Each year, your pet's subscription will come up for renewal and you can determine if you'd like to stay in your existing group or move to another. Group members will have the opportunity to vote to include you in the group for the next year.
What happens if my pet passes away?
In the event this happens, please contact Eusoh at email@example.com. We will make sure to update your pet’s status so that you are no longer charged.
Who can join a group?
Anyone can join a group! Groups freely associate based on whatever they want (but must abide by legal codes of ethics and civil rights). You can create a group with your friends, family, neighbors, or you can join an existing group of other caring pet owners who share similar interests. When you look to join groups, you answer a basic questionnaire. We don’t do a background check on each questionnaire -- our system is built on trust so please answer the questionnaire as honestly as possible! Group members then vote on whether or not you are a fit for their group. Acceptance to a group is not guaranteed. However, if there is suspicious activity in your group, an audit will be performed and if misrepresentations are found, your account will be deactivated.
How many members are in each group?
In order for a group to go live, 10 members are required.However, there is no limit at this time as to how large a group can be. Once group members add their financial information and make their deposit, they can utilize the full sharing power of the Eusoh community!
What does it mean when a group is "active"?
When a group is active, it means that they have the minimum number of members necessary to go live and share costs with one another. To allow for costs to disperse at reasonable levels, we require groups to reach 10 members before cost sharing is allowed to proceed.
What if someone is dishonest on their questionnaire?
There are measures in place to prevent unfair use of the Eusoh system. Usually, it won’t matter if someone lied unless suspicious activity starts popping up. If this happens, we will investigate. If we find out a person has misled their fellow group members, they will be removed from the group and blocked from any further Eusoh activity.
Can you kick people out of your group?
No, you can’t remove a member from your group. If you believe someone is abusing the system please flag them and we will investigate the issue as soon as possible.
What are flags?
If you suspect fraud or a fellow group member is abusing the system, you have the ability to create a flag and list why you believe the user violated Eusoh group policies. The flag is invisible to the system and the person submitting the flag is anonymous. You can also use a flag on a group in the same way, if needed.
How are flags used?
If you are flagged, it means that there is a concern that you may have violated one of Eusoh’s group policies. A Eusoh administrator will look into your flag, assess its validity and will determine the appropriate course of action. If the flag is approved, it is permanent. However, whether you are removed from the Eusoh system will be determined by the Eusoh administrator assigned to review the reason for the flagging.
Can I still use my own provider?
Absolutely! With Eusoh, there is no “network” of providers to worry about.
I just got back from the vet - how long do I have to submit my expense to the system?
You must submit your expense by the 28th of the following month.
Can you give me an example of an expense reimbursement?
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. That cost of 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!
How long before I’m reimbursed for an expense?
All approved expenses are reimbursed within the following month. However, the audit process is not always straightforward and we are often dependent on the providers responding to verification inquiries. This can delay the process. If you have any specific reimbursement questions please don’t hesitate to contact us at firstname.lastname@example.org.
What if a cost is more than the average?
Because Eusoh reimburses only the average cost of procedures plus a small variance, if somebody decides they need to see Dr. Expensive (who charges more than our reimbursable amount), they will be responsible for paying any amount over that variance. That portion will not be cost-shared by the group.
There may be members who have a trusted vet they have been seeing for years, who often charges more than the reimbursable amount and do not wish to switch - and that is fine. The community will still kick in for the reimbursable amount, and the member will pay anything over the variance themselves. Our hope would be that members encourage their trusted veterinarians to consider the average costs for services and that the transparency in the system will help pull expensive practices closer to the average.
What happens if a procedure I want is not listed in your system?
Our services list is constantly being updated to accurately reflect available procedures and average costs. If you don’t see your procedure listed, please tell us at email@example.com so we can evaluate the procedure to see if it is something shareable within our community.
I don’t see my provider in the Eusoh system. How do I add them?
Like with our procedure list, we are constantly updating our veterinary provider list. When you go to submit an expense and your provider isn’t in our system, simply enter their name and information and we will add them!
What do I do at the vet?
With Eusoh, going to the vet is easy and hassle-free:
There is no card
When you see a provider, there is no usoh card - you just pay for services upfront.
It's not insurance
Remember you should never say you have "insurance" or "coverage". Eusoh is not insurance!
Arm yourself with knowledge
Use our database to research and compare providers, services, and medications. You can even do this in the waiting room!
Pay what is fair
Using the information from our resources, get the best care for a price you can afford.
Submit the expense
After your vet visit, submit the expense to your Eusoh group for reimbursement!
Eusoh saves everyone money – and it does so by arming our members with information so they don’t get taken advantage of. When pricing is fully transparent, providers have to charge what is fair creating a better system for you and your pet!
What's an ambassador and how does it work?
Eusoh wanted to create a way for our members to share in our mission of saving money while providing total care for your pet. Tell your friends, families, neighbors, groomers, cat sitters, dog walkers - anyone that loves pets and wants to help protect pets with better, more affordable care.
Eusoh doesn’t only save you money, with our ambassador program,we want to put more money in your pocket! Simply refer new members and we will pay you once those members complete registration and submit their deposit. It’s that easy! You don't sell anything, you simply advocate eusoh to the people you know. Being an ambassador is completely voluntary - there are no requirements to join - it’s a simple way to earn some money on the side while protecting pets in need!
How does it benefit me and my business?
We provide you with media files filled with simple-to-use tools that allow you to spread the word about Eusoh as well as your personal brand. As a Eusoh ambassador, you are a trusted advocate to help pets get the care they deserve at a cost everyone can afford. We know you love pets and we want to reward you for helping to spread the love!
What are my responsibilities as an ambassador?
Being an ambassador is straightforward. Tell your friends, family, co-workers, and clients about Eusoh. It’s up to you to choose how many people you want to refer and how hard you want to work. So, let’s say you have a social following of 500 people and 200 of your followers sign up for Eusoh - if they complete the registration process and become active community members, you can make $8,000 dollars!
How do I get paid?
It’s simple! Sign up for the Eusoh Ambassador program and start referring your network. Each time a new member signs up using your ambassador code, completes their registration and joins a group, you will get paid $40! The more referrals you have, the more money you make! *In order for a registration to be considered valid, the user must register for Eusoh, add a pet, and join a group. Offer is only valid during the first year of subscription.
How does Eusoh track my subscribers?
We track your subscribers through your Ambassador code. Make sure you tell your network to use your code when signing up!
How do I sign up to be an ambassador?
Fill out our ambassador form here to create a personal ambassador code and spread the word about Eusoh! You’ll be earning money in no time!
How do I resign from the ambassador program?
No need to send us an email. We will see that you have become inactive in our system. But don’t worry, all of your referrals that are still active will continue to pay you your quarterly bonus.
I have questions. How do I contact Eusoh?
Send us an email at firstname.lastname@example.org and we’ll respond as soon as we can!
What payment methods do you accept?
When you sign up you have the option to use a debit card or credit card (please check with your financial institution concerning any interest charged on credit card transactions). We do not store this info on our site. The money will be debited from your account as needed through a third-party payment processor. We want to reduce the risk of fraudulent activity, especially the creation of fake accounts and/or fake charges for reimbursement, to ensure that our members have the most secure and reliable community possible. When it's time to withdraw money back into your bank account, you will be prompted to add your bank account information at that time.
Can I check out Eusoh without signing up?
Yes! If you want to see how Eusoh works, simply go to https://eusoh.com 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.
How do I contact support?
You can reach us from our support widget on our homepage or by emailing us at email@example.com.
Can I call you?
Yes, you can reach a support staff member during normal business hours M-F 9-5PM at (833) 500-0574.