Cancellation Figo: Easy Method

What is Figo

Figo is a name used by different businesses: notably Figo Pet Insurance (a pet-insurance provider) and Figo Trattoria Inc., a restaurant located in Toronto. This guide focuses on cancelling Figo-related services in Canada and explains both the typical steps for cancelling Figo pet-insurance policies and practical notes for cancelling reservations or service subscriptions that carry different rules.

How to cancel Figo

• For Figo Pet Insurance (insurance policies): cancellation must be submitted in writing. Email [email protected] with your full name, policy number, pet name, requested cancellation date and a clear statement that you want the policy cancelled; call 1-844-738-13446 only to confirm receipt but do not rely on a phone call alone to cancel. See an independent guide at Canine Journal and insurer listings at Insurify.
• For non-insurance Figo services (apps, subscriptions, trials) you may be able to cancel in your account settings; note these services often end at period-end and may not offer prorated refunds - review Figo’s terms at Figo terms. For restaurant reservations, calling the restaurant directly is typically the fastest and preferred method.
• Always request written confirmation of cancellation (email receipt or confirmation number) and keep copies of the sent cancellation message and any replies.

What happens when you cancel

Cancellations for Figo insurance typically take effect at the end of the current billing period unless your policy indicates otherwise; coverage and the ability to submit claims remain in effect through that date. For non-insurance digital services, cancelling via account settings generally ends the service at the period end and does not automatically generate a refund for the unused portion. Always check the confirmation you receive from Figo for the exact cancellation effective date.

Will I get a refund?

Figo’s refund rules depend on the product. For pet insurance, many sources report a full refund of premiums if you cancel within 30 days of policy start and have not filed a claim. If a claim was filed during that initial period, the first month’s premium is often treated as fully earned and any refund (if applicable) applies only to time after the first month on a prorated basis. If you cancel after the first 30 days, refunds (if any) are prorated and handled according to your policy language and Figo customer service, and may vary by province. For non-insurance digital services and free trials, terms often state fees are non-refundable except as required by law - review the service terms for specifics.

Figo plans and pricing

Note: These figures are U.S. estimates in USD; no official Canadian (CAD) pricing was found publicly. Obtain a Canadian quote for exact amounts.

Your consumer rights in Canada

Canadian federal and provincial consumer protection laws generally require clear disclosure of cancellation and refund rights, and many policies include a cooling-off or “free-look” period that entitles the consumer to a full refund if cancelled within that timeframe. If a policy states a 30‑day full-refund right, provincial regulators may view that as an unconditional disclosure unless clearly limited in the contract. If you encounter disputes over cancellation or refund promises, you can escalate to your provincial financial services regulator (for example, the relevant provincial regulator for insurance) or file a complaint with consumer protection authorities. For digital services, consumer protection and the Competition Act may provide remedies if services were misrepresented.

Customer experiences

Reviewers report a mix of positive and negative experiences with Figo. Positive comments often mention a user-friendly app, fast electronic claim submissions and helpful cost breakdowns, and some successful appeals of initially denied claims. Negative reports cite claim denials tied to pre-existing conditions, disputes over reimbursement levels, delays, canned or poor customer communications, and occasional disagreements over quoted versus actual charges. These patterns suggest reviewing policy exclusions carefully and keeping detailed documentation when you file a claim or cancellation request.

Documentation checklist

• Policy number and full insured name (and pet name if applicable)
• Copy of the policy declaration page and any recent policy emails
• All invoices and receipts for recent veterinary bills or services
• Claim numbers and correspondence related to any claims
• Exact cancellation request text (email you sent) and date/time sent
• Bank statement or proof of payment for premiums if requesting a refund
• Screenshot or copy of confirmation of cancellation from Figo (when received)

Common mistakes

Common errors include assuming a phone call alone cancels an insurance policy (many sources say Figo pet insurance requires written cancellation), not obtaining written confirmation of cancellation, cancelling expecting an immediate refund when the policy or subscription actually ends at period end, and failing to check whether a recent claim affects refund eligibility. Also, people sometimes rely on quoted discounts without confirming the final billed amount; keep screenshots of quotes and confirmation emails.

Comparative recap

After cancelling

After you cancel, keep the written confirmation and monitor your bank or credit account for any refund. If a promised refund does not arrive or the cancellation is not processed as confirmed, contact Figo customer service with your documentation and request escalation. If you cannot resolve the issue, you may lodge a complaint with your provincial insurance regulator or consumer protection office. Helpful references: Figo’s terms at Figo terms, an independent cancellation guide at Canine Journal, and a summary page at Insurify.

Address

Figo Trattoria Inc.
295 Adelaide St W, Toronto, Ontario M5V 1P7, Canada

For Figo Pet Insurance support: call 1-844-738-13446 or email [email protected]. Always request written confirmation when you cancel.