Whereas having pet insurance coverage to guard your pup is vital, many circumstances can warrant a coverage cancellation. If you happen to’re dealing with monetary hardship, I’ll share with you find out how to terminate your Figo coverage as shortly as attainable.
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 you want to issue into your remaining determination. I’ve tips about what to think about 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 could find 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 would like 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 Unique Begin Date and You’ve made no Declare, We are going to refund the premium You paid Us, and the Coverage can be canceled.
If You’ve made a Declare inside thirty (30) days of the efficient date, the premiums paid for or allocable to the primary month of Protection develop 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 provides you one choice to formally cancel your pet’s coverage. In response to their web site, Figo requires cancellation in writing through electronic mail at [email protected]. You can not cancel in writing by snail mail, by telephone, or on-line.
Nonetheless, when you have any questions earlier than canceling, name their customer support staff at (844) 738-3446. Buyer help 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. Bear in mind, after talking with certainly one of their brokers, you’ll nonetheless must cancel by emailing them.
3 Points To Take into account Earlier than Canceling Your Coverage
If you happen to’re uncertain whether or not canceling your Figo coverage is your only option, I encourage you to think about these components earlier than terminating altogether.
1. Different Insurers Will Exclude Pre-Current Situations
One of the vital vital disadvantages of canceling your Figo coverage entails 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 probably 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, comparable 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. 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 wishes. Some suppliers have age limits and received’t insure pets as soon as they attain a sure age (limits fluctuate 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 needless to say 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 durations earlier than your new coverage’s protection kicks in.
Often Requested Questions
Listed below are some questions pet mother and father typically ask about canceling Figo Pet Insurance coverage. If you happen to 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 number 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?
If you happen to with to cancel your coverage throughout the first 30 days, Figo will offer you a full refund of your premium quantity, so long as you haven’t filed a declare. If you happen to cancel your coverage after the primary 30 days, Figo will compute any refund on account of you on a every day pro-rata foundation.
What Occurs To Pet Insurance coverage When A Pet Dies?
If you happen to’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 vital 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. If you happen to 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 lined.
How To Discover A New Pet Insurance coverage Firm
If you happen to’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 critiques to see which firms we advocate. You may get quotes from most of the high pet insurance coverage firms by filling out the quote type above.
If you happen to 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 may decrease the time your pet isn’t lined. Pet insurance coverage is value it, and insuring your furry associates is a good way to guard your pockets and ensure your pets get the required 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 situations and therapy. She’s additionally spent over a decade researching pet insurance coverage as a part of an skilled staff at Canine Journal. As devoted canine professionals and long-time canine house owners, we take a look at and analysis the perfect pet services, not just for our personal pups however for all of our readers.