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 learn how to terminate your Figo coverage as rapidly as potential.
Nevertheless, you might 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 you must issue into your remaining determination. I’ve recommendations on what to contemplate and learn how to discover one other supplier.
Learn Our Full Figo Pet Insurance coverage Evaluate
Figo Pet Insurance coverage Cancellation Coverage
Right here’s Figo’s official cancellation coverage verbatim based mostly on the pattern pet insurance coverage coverage you’ll find on their web site.
Chances are you’ll cancel this Coverage at any time by emailing or writing to Us and stating the longer term date that You would like the cancellation to be efficient.
Upon cancellation, Chances are you’ll be entitled to a premium refund. If You present Us written discover of cancellation inside thirty (30) days of the Unique Begin Date and You will have made no Declare, We’ll refund the premium You paid Us, and the Coverage will probably be canceled.
If You will have made a Declare inside thirty (30) days of the efficient date, the premiums paid for or allocable to the primary month of Protection turn into absolutely earned upon the submittal of the Declare, and You’ll solely obtain a refund for any premiums paid for intervals past the primary month.
After the primary thirty (30) days of the Coverage interval, We’ll compute any refund due on a each day pro-rata foundation.
How To Cancel Your Figo Pet Insurance coverage Coverage
In contrast to many different suppliers, Figo solely offers you one choice to formally cancel your pet’s coverage. In line with their web site, Figo requires cancellation in writing by way of e mail at assist@figopetinsurance.com. You can’t cancel in writing by snail mail, by cellphone, or on-line.
Nevertheless, if in case you have any questions earlier than canceling, name their customer support workforce at (844) 738-3446. Buyer assist is accessible Monday-Friday 7:00am-7:00pm and Saturday 8:00am-6:00pm (CT).
I like to recommend doing so when you’re uncertain about their cancellation phrases. Keep in mind, after talking with one in all their brokers, you’ll nonetheless have to 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 best choice, I encourage you to contemplate these elements earlier than terminating altogether.
1. Different Insurers Will Exclude Pre-Present Circumstances
Some of the vital disadvantages of canceling your Figo coverage includes protection for pre-existing circumstances. Any circumstances your pet was recognized with in the course of the time your canine was enrolled in Figo’s pet insurance coverage will possible be excluded from protection by any new insurance coverage supplier.
This is usually a tough blow in case your pup requires ongoing therapy for a persistent situation, equivalent to allergy symptoms, arthritis, diabetes, or most cancers. I like to recommend calculating your canine’s medical prices lined by Figo. Are these bills one thing you may independently cowl your self?
2. Your Pet’s Age May Restrict Choices
Your present Figo coverage covers your pet for all times. Nevertheless, when you cancel your coverage and have an aged pet, you might not have the ability to discover a new pet insurance coverage coverage that meets your finances and desires. Some suppliers have age limits and gained’t insure pets as soon as they attain a sure age (limits differ by supplier).
3. Diseases & Accidents Can Happen Anytime
Some individuals 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 take into account that accidents and well being circumstances can pop up at any time. Even when you plan on enrolling your pup with a brand new insurance coverage supplier, you’ll have ready intervals earlier than your new coverage’s protection kicks in.
Incessantly Requested Questions
Listed here are some questions pet mother and father typically 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 may 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 a couple of methods.
- Change to the Worth Plus plan
- Take away Powerups
- Select a decrease annual protection quantity
- Cut back your reimbursement charge
- Select the next deductible
Can I Cancel Figo Pet Insurance coverage At Any Time?
Sure, you may cancel your Figo pet insurance coverage coverage at any time for any cause. Figo doesn’t cost any early cancellation charges.
What Is Figo’s Cash-Again Assure?
In case you with to cancel your coverage inside 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 each 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. Test your particular person coverage to see when you’re lined.
How To Discover A New Pet Insurance coverage Firm
In case you’re not glad with Figo’s pet insurance coverage however nonetheless need to insure your pet, I encourage you to learn our pet insurance coverage critiques to see which firms we advocate. You will get quotes from most of the high pet insurance coverage firms by filling out the quote kind 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 present Figo coverage. This fashion, you may reduce the time your pet isn’t lined. Pet insurance coverage is price 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 skilled on pet well being circumstances and therapy. She’s additionally spent over a decade researching pet insurance coverage as a part of an skilled workforce at Canine Journal. As devoted canine professionals and long-time canine homeowners, we check and analysis the very best pet services, not just for our personal pups however for all of our readers.
