Whereas having pet insurance coverage to guard your pup is essential, many circumstances can warrant a coverage cancellation. In case you’re going through monetary hardship, I’ll share with you find out how to terminate your Figo coverage as rapidly as attainable.
Nonetheless, it’s possible you’ll be contemplating canceling your Figo coverage since you’re sad with this firm’s pricing, protection, declare reimbursement, or customer support. If that’s the case, I like to recommend studying my article to search out out what it is advisable issue into your ultimate choice. I’ve recommendations on what to contemplate and find out how to discover one other supplier.
Learn Our Full Figo Pet Insurance coverage Evaluation
Figo Pet Insurance coverage Cancellation Coverage
Right here’s Figo’s official cancellation coverage verbatim primarily based on the pattern pet insurance coverage coverage you will discover on their web site.
It’s possible you’ll cancel this Coverage at any time by emailing or writing to Us and stating the longer term date that You want the cancellation to be efficient.
Upon cancellation, It’s possible you’ll be entitled to a premium refund. If You present Us written discover of cancellation inside thirty (30) days of the Authentic Begin Date and You might have made no Declare, We are going to refund the premium You paid Us, and the Coverage will probably be canceled.
If You might have made a Declare inside thirty (30) days of the efficient date, the premiums paid for or allocable to the primary month of Protection change into totally earned upon the submittal of the Declare, and You’ll solely obtain a refund for any premiums paid for durations past the primary month.
After the primary thirty (30) days of the Coverage interval, We are going to compute any refund due on a every day pro-rata foundation.
How To Cancel Your Figo Pet Insurance coverage Coverage
Not like many different suppliers, Figo solely offers you one choice to formally cancel your pet’s coverage. In response to their web site, Figo requires cancellation in writing by way of electronic mail at assist@figopetinsurance.com. You can’t cancel in writing by snail mail, by cellphone, or on-line.
Nonetheless, when you have any questions earlier than canceling, name their customer support group at (844) 738-3446. Buyer assist is on the market Monday-Friday 7:00am-7:00pm and Saturday 8:00am-6:00pm (CT).
I like to recommend doing so for those who’re uncertain about their cancellation phrases. Bear in mind, after talking with certainly one of their brokers, you’ll nonetheless must cancel by emailing them.
3 Points To Contemplate Earlier than Canceling Your Coverage
In case you’re uncertain whether or not canceling your Figo coverage is your only option, I encourage you to contemplate these components earlier than terminating altogether.
1. Different Insurers Will Exclude Pre-Current Circumstances
Some of the vital disadvantages of canceling your Figo coverage includes protection for pre-existing circumstances. Any circumstances your pet was recognized with through the time your canine was enrolled in Figo’s pet insurance coverage will probably be excluded from protection by any new insurance coverage supplier.
This could be a tough blow in case your pup requires ongoing remedy for a persistent situation, akin to allergic reactions, arthritis, diabetes, or most cancers. I like to recommend calculating your canine’s medical prices coated by Figo. Are these bills one thing you’ll be able to independently cowl your self?
2. Your Pet’s Age May Restrict Choices
Your present Figo coverage covers your pet for all times. Nonetheless, for those who cancel your coverage and have an aged pet, it’s possible you’ll not have the ability to discover a new pet insurance coverage coverage that meets your funds and wishes. Some suppliers have age limits and gained’t insure pets as soon as they attain a sure age (limits fluctuate by supplier).
3. Sicknesses & Accidents Can Happen Anytime
Some folks cancel pet insurance coverage as a result of they’ve by no means needed to submit a declare. In case your pet has by no means had any medical issues, you’re fortunate. However understand that accidents and well being circumstances can pop up at any time. Even for those who plan on enrolling your pup with a brand new insurance coverage supplier, you’ll have ready durations earlier than your new coverage’s protection kicks in.
Regularly Requested Questions
Listed here are some questions pet dad and mom usually ask about canceling Figo Pet Insurance coverage. In case you don’t see yours right here, please ask us in our feedback.
Can I Decrease My Month-to-month Funds With Figo?
Sure, however solely throughout your renewal interval. You can also make changes to your protection in your Figo Pet Cloud account. You might be able to lower your month-to-month fee (aka premium) in just a few methods.
- Change to the Worth Plus plan
- Take away Powerups
- Select a decrease annual protection quantity
- Scale back your reimbursement fee
- Select the next deductible
Can I Cancel Figo Pet Insurance coverage At Any Time?
Sure, you’ll be able to cancel your Figo pet insurance coverage coverage at any time for any purpose. Figo doesn’t cost any early cancellation charges.
What Is Figo’s Cash-Again Assure?
In case you with to cancel your coverage throughout the first 30 days, Figo will give you a full refund of your premium quantity, so long as you haven’t filed a declare. In case you cancel your coverage after the primary 30 days, Figo will compute any refund attributable to you on a every day pro-rata foundation.
What Occurs To Pet Insurance coverage When A Pet Dies?
In case you’re canceling your pet insurance coverage coverage as a result of your pet has handed away, please know you’re in our ideas. Whereas that is such a tough time for you, it’s nonetheless essential to recollect to contact Figo and notify them of your pet’s passing. You are able to do so by calling or emailing Figo’s customer support division. In case you needed to euthanize your pup, a few of Figo’s insurance policies cowl prices related to veterinarian-recommended euthanasia. Verify your particular person coverage to see for those who’re coated.
How To Discover A New Pet Insurance coverage Firm
In case you’re not happy with Figo’s pet insurance coverage however nonetheless wish to insure your pet, I encourage you to learn our pet insurance coverage critiques to see which firms we suggest. You will get quotes from lots of the prime pet insurance coverage firms by filling out the quote type above.
In case you plan on selecting one other pet insurance coverage supplier, it’s a good suggestion to do your analysis and get quotes earlier than you cancel your current Figo coverage. This fashion, you’ll be able to decrease the time your pet isn’t coated. Pet insurance coverage is value it, and insuring your furry mates is a good way to guard your pockets and ensure your pets get the mandatory well being care they want.
Why Belief Canine Journal?
Sally has over 20 years of expertise in human well being sciences communications, together with 10 years as an professional on pet well being circumstances and remedy. She’s additionally spent over a decade researching pet insurance coverage as a part of an professional group at Canine Journal. As devoted canine professionals and long-time canine homeowners, we take a look at and analysis one of the best pet services, not just for our personal pups however for all of our readers.