Dear Eusoh Members,

Eusoh has provided significant savings since its inception by fostering a community of like-minded pet lovers that care about one another. As the volume and cost of expenses have risen, so has your monthly care contribution. The average total cost of Eusoh at this time last year was ~$40 for dogs and ~$30 for cats compared to ~$50 for dogs and ~$35 for cats now.

How does Eusoh’s pricing work compared to insurance?

Unlike traditional insurance, with Eusoh, there is no monthly premium. Instead, the monthly fee consists of two separate pieces: your monthly subscription fee + your monthly care contribution. The monthly subscription fee is constant each month and is the only fee that Eusoh collects for administrative purposes.

The monthly care contribution, on the other hand, changes each month based directly on the expenses submitted to the community. The fewer expenses that are submitted and the lower their costs are, the lower your care contribution (currently capped at $48).

What’s important to remember about this care contribution is that the funds are shared directly between you and other community members. Our company does not provide the reimbursements and our profit is not linked to the costs of care. This ensures that our interests are aligned with that of our community and removes any incentive for our company to push costs up over time.

Why have the sharing costs increased over time?

The primary answer is price inflation. As you may have noticed at the supermarket or the gas pump, prices are increasing everywhere, including at the vet. The average reimbursement request received by Eusoh has increased over 50% in just 2 years. 

At an industry-wide snapshot, since Eusoh went live, the costs of veterinary care have increased dramatically year after year:

  • 2018 – $27.7 billion
  • 2019 – $29.3 billion
  • 2020 – $31.4 billion *

The main reasons for these increases are:

  • Rising prices for drug and pharmaceutical products
    • The largest share of veterinary practice revenue is attributable to wellness exams, laboratory testing, drug sales, and vaccinations
  • New technologies and the latest medical equipment are more expensive and more people are seeking them, regardless if they actually make any change to outcomes
  • Increased veterinary demand due to a rising pet population and longer pet lifespans (which means more veterinary care) 
  • Growing shortages of veterinarians and increased veterinary school tuition
  • Accelerating acquisitions of independent veterinary hospitals by corporate consolidators, which increases costs due to lack of competition **

We believe this greater attention to pet health is leading pet owners to call more frequently for appointments at their local vet hospital. And when pets come in, hospitals are reporting more complex cases, leading to higher average costs.

Furthermore, there has been a large increase in demand for pet services at urgent care and emergency hospitals. For these hospitals, the growth was primarily driven by an increase in sophisticated — and costly — services and procedures to pet owners. Urgent care and ERs are also seeing significant growth due to overwhelmed general practices. With veterinarian shortages and demand rising, some hospitals are booking weeks – or even months – out. For pet owners with more immediate needs, urgent care and ERs can provide timely but more expensive services.***

What does this mean for the Eusoh community moving forward?

Please remember, Eusoh’s maximum monthly price has not changed in the last 3 years. Unlike insurance, which prices premiums for each pet individually, Eusoh has a single universal amount to provide consistency to our members. We do not rate our members or their pets. We do not advertise a lower price early on with the expectation of raising it significantly once someone is committed, or has a new pre-existing condition that makes it impossible for them to switch plans. 

With our partner, a global actuarial consulting firm, over the last several months we have been analyzing the market, and these cost changes, to determine the best course of action that continues to serve our mission – provide a cost-effective way to care for our pets fairly and transparently. These discussions are ongoing and we will keep you updated.

How can you help?

There are many ways that you can help reduce costs for the community:

  • Always budget for $65 per month, per pet. 
  • Utilize the included Televet services provided by FirstVet to all Eusoh community members prior to scheduling an appointment. These licensed vets can provide important information about your pet’s health in a more convenient, and less costly way. They do not make money by ordering unnecessary labs or prescribing medications. Learn how to get started on FirstVet.
  • Comparison shop to find out how much vets are charging for their procedures in your area. By using the Eusoh Provider search along with the Procedure Guide, you’ll be able to see actual price data for the vets near you as well as what the average pricing for these procedures is. 
  • Purchase your medications from trusted and cheaper online sources. Avoid purchasing medications at the veterinary office, which can often charge a significant mark-up for convenience.
  • Remember that even though you have coverage, Eusoh is not insurance. 100% of reimbursements you receive come from other pet parents. Be judicious with your community funds. Truly, with Eusoh, we are all in this together. 
  • Recruit new members – the larger our community is, the stronger it is.

We appreciate the ongoing support of all of our members and thanks to you the Eusoh community will continue providing the best protection for our furry family members. If you have any questions or concerns, please don’t hesitate to reach out to us via!


* Cima, G. (2021, May 26). Pet spending up despite delays, disruptions. American Veterinary Medical Association. Retrieved from 

** Nguyen, J. (2021, August 6). Why is veterinary care so expensive? Marketplace. Retrieved September 27, 2021, from

*** Ouedraogo, F., Dutton, B., Hansen, C., Bain, B., & Salois, M. (2018). (rep.). 2018 AVMA Report on the Market for Veterinary Services. American Veterinary Medical Association. Retrieved from