Whereas having pet insurance coverage to guard your pup is essential, many circumstances can warrant a coverage cancellation. In case you’re dealing with monetary hardship, I’ll share with you the right way to terminate your Figo coverage as shortly as potential.
Nonetheless, chances are 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’s worthwhile to issue into your ultimate determination. I’ve recommendations on what to contemplate and the right way 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 primarily based on the pattern pet insurance coverage coverage you will discover on their web site.
You might cancel this Coverage at any time by emailing or writing to Us and stating the long run date that You want the cancellation to be efficient.
Upon cancellation, You might 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 will have made no Declare, We are going to refund the premium You paid Us, and the Coverage will likely 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 out to be totally 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 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 provides you one choice to formally cancel your pet’s coverage. In line with their web site, Figo requires cancellation in writing through e mail at assist@figopetinsurance.com. You can’t cancel in writing by snail mail, by telephone, or on-line.
Nonetheless, when you’ve got 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 in case you’re uncertain about their cancellation phrases. Keep in mind, after talking with one in every 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 the best choice, I encourage you to contemplate these elements earlier than terminating altogether.
1. Different Insurers Will Exclude Pre-Current Circumstances
Some of the important disadvantages of canceling your Figo coverage includes protection for pre-existing situations. Any situations 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 power situation, resembling 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, in case you cancel your coverage and have an aged pet, chances are you’ll not be capable of discover a new pet insurance coverage coverage that meets your price range and desires. Some suppliers have age limits and received’t insure pets as soon as they attain a sure age (limits differ by supplier).
3. Diseases & 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 take into account that accidents and well being situations can pop up at any time. Even in case 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.
Often Requested Questions
Listed below are some questions pet dad and mom 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 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 a couple of methods.
- Change to the Worth Plus plan
- Take away Powerups
- Select a decrease annual protection quantity
- Scale back your reimbursement price
- Select a better 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 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 because of 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 in case you’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 need to insure your pet, I encourage you to learn our pet insurance coverage evaluations to see which corporations we advocate. You will get quotes from lots of the prime pet insurance coverage corporations 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 manner, you’ll be able to reduce the time your pet isn’t coated. Pet insurance coverage is price it, and insuring your furry associates 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 situations and therapy. 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 check and analysis the perfect pet services and products, not just for our personal pups however for all of our readers.