Cancel Figo: Step-by-Step Guide

What is Figo

Overview

Figo is a U.S.-based pet insurance provider offering pet health coverage and a mobile-first experience for policy management and claims.

Figo operates primarily in the United States and does not list a local Nigerian office; correspondence is handled via its U.S. address and support channels.

Primary services

Figo’s products typically cover accidents and illnesses, with optional wellness add-ons through its plans and app-based account management.

Pricing and plan details available publicly are U.S.-centric; specific Nigeria pricing or local plans were not found in available sources.

How to cancel Figo

Required action

• Email Figo support to request cancellation - cancellation requests are accepted by email rather than by phone or an online form.
• Locate the correct support email on your policy documents, the Figo app, or any official correspondence before sending your request.

Step-by-step cancellation steps

• Prepare an email with your full name, policy number, pet name, and the desired cancellation date.
• State that you wish to cancel the policy and request written confirmation and details of any refund.
• Attach proof of identity and a copy of the policy if available to speed verification.
• Keep copies of the sent email and any replies; if you do not receive confirmation, follow up until you have written proof.
• As an alternative, you may send written correspondence to Figo’s U.S. mailing address (see Address section).

What happens when you cancel

Coverage and access

Coverage remains active through the end of the paid period noted on your policy or receipt.

After the paid period ends, claims for new treatment are no longer covered unless otherwise specified in writing.

Renewal, data and claims

Automatic renewal will stop after cancellation takes effect; check your policy for renewal timing.

Records of your policy and prior claims are retained by the insurer according to their data retention rules; request a copy if needed for future care or disputes.

Will I get a refund?

Refund within free-look period

If you cancel within the first 30 days and no claim has been filed, you are entitled to a full refund of premiums paid.

This is commonly referred to as a 30-day free-look period; confirm your policy documents for exact terms.

Refund after 30 days

• After the first 30 days, any refund is calculated on a daily pro‑rata basis for the unused portion of the paid period.
• There are no early cancellation fees listed in available sources; confirm with Figo when you request cancellation.

Sources: Canine Journal, Insurify.

Figo plans and pricing

Plan types (summary)

Public information indicates Figo offers accident & illness coverage and optional wellness add-ons, typically via different plan tiers.

Exact plan names and local availability for Nigeria were not identified in available sources.

Pricing overview

Your consumer rights in Nigeria

Verified limitations

Specific consumer-rights provisions under Nigerian law in relation to Figo could not be identified from available sources.

Figo does not list a Nigerian office, so applying Nigerian-specific regulations to its U.S.-based operations may require additional review.

Practical steps if you are in Nigeria

• Check your policy wording for governing law and dispute resolution clauses to see which jurisdiction applies.
• Keep written records of all communications and receipts to support any complaint or refund request.
• Consider contacting Nigeria’s Federal Competition and Consumer Protection Commission (FCCPC) for guidance on cross-border consumer complaints.
• If needed, seek independent legal advice familiar with cross-border insurance or consumer law.

Customer experiences

Positive feedback

Many customers praise Figo for fast claims processing, a user-friendly app, and prompt reimbursements when approved.

Online ratings include positive comments about the mobile experience and speed of reimbursements in favorable cases.

Negative feedback

Other customers report claims denials or delays and frustrations with customer service and coverage definitions.

Balance the positive app and processing reports against comments about claim disputes when assessing the insurer.

See example reviews: TrustPilot.

Documentation checklist

Essential items to include in your cancellation request

• Policy number and full name of the policyholder.
• Pet’s name, species, and breed as shown on the policy.
• Preferred cancellation date and reason for cancellation (optional).

Supporting documents for refunds or disputes

• Proof of payment (receipt, bank statement or card transaction).
• Copies of any claims filed and the dates of treatment.
• Identification (photo ID) and contact details for confirmation.
• Saved copies of all emails, chat transcripts or app messages with Figo.

Common mistakes

Missing key information

Not including the policy number or pet details in the cancellation request often slows verification and processing.

Always include clear identifying information and attach copies of the policy where possible.

Timing and confirmation errors

Assuming immediate cancellation or instant refunds is a common error; refunds follow the policy’s pro‑rata rules and processing times.

Another frequent mistake is not obtaining written confirmation of cancellation - verbal statements or phone calls may not be accepted.

Comparative recap

Feature comparison

After cancelling

Immediate next steps

• Confirm you have written cancellation confirmation and note the effective date.
• Watch your payment method or bank account for any refund and match amounts to the pro‑rata calculation.

Resources and alternatives

• Read third-party guides on cancellation for more detail: Canine Journal: How to Cancel Figo.
• Reference refund and cancellation summaries: Insurify: Figo cancellation.
• Check customer reviews for others’ experiences: TrustPilot reviews.

Address

Official mailing address

For written correspondence, you may send mail to Figo’s U.S. mailing address:

Box No. 10873 540 N Dearborn Street Chicago, Illinois 60610 United States

Notes on contacting from Nigeria

Because Figo does not list a Nigerian office, use email support or the U.S. mailing address for cancellations and keep copies of all correspondence.

If you need jurisdictional or consumer-rights advice related to cross-border issues, consider contacting local consumer protection authorities or legal counsel.