Cancel Figo Pet Insurance the easy way

Overview

Figo Pet Insurance is a US-based pet insurance provider offering policies for dogs and cats. The company provides vet fee reimbursement plans, an app for claims and policy management, and multi-channel customer contact including call, text, email and fax.

Where Figo operates and what it sells

Figo primarily operates in the United States and offers a range of plans with different annual vet fee limits, deductibles and reimbursement rates. Exact UK retail pricing is not publicly disclosed by Figo.

Company facts

Web / Customer portal

1. Log in to your Figo account via the Figo website or app.
2. Locate policy settings or contact options; send a written cancellation request through secure messaging if available.
3. Request a confirmation email and confirm effective date of cancellation.

iOS app

1. Open the Figo app on your iPhone.
2. Go to the policy or support section and compose a written cancellation request, or use contact options to text/email.
3. Keep the in-app message thread or request an email confirmation.

Android app

1. Open the Figo app on your Android device.
2. Access account or support options and send a written cancellation request through the app or by email/text.
3. Save the in-app confirmation or ask for a confirmation email.

Phone

1. Call the number listed on Figo's contact page or in your policy documents.
2. State your full name, policy number and that you wish to cancel the policy effective on the date of your written request.
3. Ask for a written confirmation by email and a cancellation reference number.

Email

1. Send a clear written cancellation request to [email protected] or the official contact address shown on the contact page.
2. Include full name, policy number, preferred cancellation date and a statement that you request a pro-rata refund if applicable.
3. Save the sent email and attachment of any reply as proof.

Post

1. Write and sign a cancellation letter with full policy details and requested cancellation date.
2. Send by registered post to: Figo Pet Insurance, 540 N Lake Shore Dr, 60611 Chicago, USA.
3. Keep the postal proof and wait for written confirmation from Figo.

Moving abroad or relocation

Rule: If you permanently move outside the territory where your policy is valid, inform Figo and provide proof of new address such as a utility bill or tenancy agreement. Figo's terms require notification and may allow immediate termination with a pro-rata refund.

Applicable law: Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 - cooling-off and contract information rights.

Price increase by the insurer

Rule: If Figo raises your premium during the contract or at renewal, you can cancel the policy. Provide the renewal notice or comparative premium increase communicated by Figo as proof.

Applicable law: Consumer Rights Act 2015 - unfair terms and the CMA guidance on auto-renewal.

Death of the policyholder

Rule: Submit a copy of the death certificate and the policy number. Figo will accept proof of death and will process cancellation; a pro-rata refund applies if eligible.

Legitimate grounds accepted by Figo

Rule: Valid reasons Figo accepts include the 30-day Free Look cancellation (if no claim submitted), moving outside coverage area, and death of the policyholder. Required documents are proof of move, death certificate or the original policy and written request. Source: Figo policy statements on cancellation and refund.

Applicable law: Insurance Conduct of Business (FCA ICOBS) - see ICOBS.

End of commitment / policy term

Rule: If your policy term ends, the contract terminates on the expiry date. To stop auto-renewal, notify Figo before the renewal date. Keep your renewal notice or email as proof.

Cooling-off (Free Look) period

Rule: Figo provides a 30-day Free Look period for applicable policies. Cancel within 30 days and provide proof that you have not submitted any claim to receive a full refund. If a claim was submitted within the Free Look, the 30-day right does not apply.

Applicable law: Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 and new Digital Markets, Competition and Consumers Act 2024 - cooling-off rights; see 2024 legislation.

Before you cancel - negotiate

Retention offers: There is no public record that Figo systematically offers discounts or retention credits. To request a retention offer, call or email Figo with your policy details and state that you will cancel if no discount or plan change is available. Ask specifically for a premium review, multi-pet discount or a plan with a different deductible.

What cancelling saves you - concrete example

Because Figo does not publish UK premiums, compute savings using competitor reference pricing and known alternatives. Example cheapest alternative: Argos offers multi-pet discounts and a known saving of £1 per pet per month on multi-pet policies. Purely Pets provides lifetime cover levels with vet fees from £1,000 to £15,000. Everypaw offers vet fee limits from £1,000 to £10,000. Agria offers vet fee limits up to £20,000. Tesco offers vet fee limits up to £11,000.

Example calculation using a hypothetical competitor monthly premium - not a Figo price: Argos multi-pet discount impact - if your Argos policy is £20.00 per month and you cancel Figo and choose Argos instead, monthly cost 20.00 x 12 = 240.00 per year. Discount for two pets equals 1.00 x 12 = 12.00 saved per year compared to single-pet price. Use official competitor facts when choosing a replacement: Agria vet fee limit up to £20,000; Purely Pets vet fee levels £1,000 to £15,000; Tesco vet fee limit up to £11,000; Everypaw vet fee limits £1,000 to £10,000.

Primary UK laws and regulator

The main regulator for insurance conduct is the Financial Conduct Authority (FCA). Relevant laws include the Consumer Rights Act 2015 and the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. See FCA ICOBS at ICOBS.

Cooling-off and refunds

Rule: Consumers have a 14-day cooling-off period for most distance contracts; for many insurance products a 30-day cooling-off applies where the contract is a pure protection contract. Figo documents a 30-day Free Look period. If you cancel within that Free Look and no claim was submitted, Figo will provide a full refund. For cancellations after that period, Figo provides a pro-rata refund of paid premiums in line with its policy.

Auto-renewal and unfair terms

Rule: The Competition and Markets Authority treats hard-to-cancel subscriptions and unclear auto-renewal clauses as potentially unfair. The Consumer Rights Act 2015 protects against disproportionate cancellation penalties.

How to escalate a dispute

First complain to Figo using their contact channels listed on their official site. If unresolved, complain to the Financial Ombudsman Service for insurance disputes or seek help from Citizens Advice. For qualifying card payments, consider a chargeback with your card issuer under Section 75 if applicable.

Check confirmation and final bill

Keep the written cancellation confirmation showing the effective date. Verify the final premium calculation and any pro-rata refund. Figo must return sums due without undue delay and no later than 30 days from receiving cancellation notification under UK rules.

Data and documents

Download copies of your policy documents, claims history and final correspondence for records. If you need proof of cover for future veterinary care, request a statement showing coverage end date.

Re-activation and new cover

If you want to re-activate a policy, contact Figo and ask whether re-enrolment is permitted and whether new medical exclusions or waiting periods apply. Compare replacement policies from alternatives such as Agria, Everypaw, Tesco, Argos and Purely Pets.

Use this checklist to cancel cleanly and preserve your consumer rights.

• Locate your policy number and log-in credentials.
• Decide your cancellation method: phone, text, email or registered post.
• If cancelling during the Free Look 30-day period, confirm you have not submitted any claims.
• Send a signed written cancellation request including policy number and preferred effective date.
• Request a written confirmation with a cancellation reference number.
• Keep all evidence: sent email, delivery receipt, fax transmission receipt or call reference.
• Check for pro-rata refund and confirm amount and payment date.
• If you have a direct debit, cancel or amend the direct debit with your bank after confirmation from Figo.