Manage Figo

How to cancel figo in canada and understand your refund rights

What figo is and why you might cancel

Figo operates under two distinct business models in Canada: Figo Pet Insurance, which covers veterinary care for dogs and cats, and Figo Trattoria Inc., a Toronto-based restaurant. This guide focuses on helping you cancel either service with confidence. Whether you're reassessing your pet insurance coverage or need to cancel a restaurant reservation, understanding your options puts you in control. At Stopee, we know that cancellation processes can feel opaque, so we've mapped out every step to make your exit smooth and informed.

Understanding the two figo services

Figo Pet Insurance is a monthly subscription that reimburses eligible veterinary expenses after you pay out of pocket. Figo Trattoria is a restaurant where you reserve a table by phone or in person. Each service has entirely different cancellation rules, timelines and refund policies. This guide walks you through both, starting with insurance (the more complex cancellation) and finishing with restaurant reservations. Stopee specializes in helping Canadians navigate exactly these kinds of service transitions, so you'll find practical, tested steps here.

Why you might be cancelling figo

Life changes. Your pet's health may improve, you may switch to a different insurance provider, or you might discover a better plan elsewhere. For the restaurant, plans shift, budgets tighten, or you simply need to reschedule. Whatever your reason, you have consumer rights in Canada that protect you. Stopee's mission is to ensure you understand those rights and exercise them without friction or guilt.

Figo pet insurance pricing and plan details

Knowing what you're paying helps you decide whether cancellation is the right move.

Monthly plan costs for figo pet insurance

Figo's pricing varies significantly by pet age, breed, location and deductible choice. The table below shows approximate ranges based on typical policies; your actual quote will depend on your pet's profile and your province. Note that these are rough estimates in Canadian dollars; always request a formal quote from Figo to confirm your specific rate.

What your plan covers

Figo reimburses you for eligible veterinary expenses after you've paid the vet clinic directly. Most plans offer 80% reimbursement with annual maximums ranging from $5,000 to unlimited coverage, depending on which tier you choose. Pre-existing conditions are typically excluded, and routine care (vaccinations, cleanings) is not covered unless you've added a wellness rider. If your pet's condition has improved or you've found a lower-cost alternative, cancellation may make financial sense. Stopee recommends comparing at least three providers before you cancel, to ensure you're not leaving better coverage behind.

Your consumer rights in canada and the cancellation cooling-off period

Canadian provincial insurance regulators and federal consumer protection law give you specific rights when you cancel an insurance policy.

The free-look period and refund guarantee

Most Canadian insurance regulators require that Figo offer a "free-look" or "cooling-off" period, typically 10 to 30 days from policy start, during which you can cancel and receive a full refund of premiums paid if you have not filed a claim. The exact length and terms depend on your province. Ontario, British Columbia, Alberta and Quebec all have consumer protection frameworks that mandate this right. If you cancel within this window, you should receive a full refund; Figo cannot keep your premium simply because you changed your mind. Pro tip: check your policy documents for the exact free-look period applicable in your province.

Refunds after the free-look period

Once the free-look period expires, cancellation refunds become prorated. This means you forfeit the portion of your premium that covers the time you were insured. For example, if you cancel on day 20 of a 30-day billing cycle, you'll lose the pro-rata cost of those 10 days. If you've filed a claim during your policy term, the first month's premium is often considered fully earned and non-refundable. After that, any refund applies to subsequent months only. Always ask Figo to provide a written refund calculation before you confirm the cancellation.

What happens if figo refuses to cancel or refund

If Figo denies your cancellation request or withholds a refund you believe you're entitled to, you have an escalation path. Each province has a financial services regulator or insurance ombudsman. In Ontario, contact the Financial Services Regulatory Authority (FSRA). In British Columbia, contact the Insurance Council of British Columbia (ICBC). These bodies exist to protect you. File a formal complaint if Figo does not respond within 14 business days or denies your request without valid reason. Stopee supports you in documenting these disputes; keep every email and note every phone conversation with dates and names.

How to cancel figo pet insurance step by step

Cancellation must be submitted in writing to ensure you have proof of your request and a clear cancellation date.

Step-by-step cancellation process

1. Gather your policy information.
   • Locate your policy number, pet name, date of birth and your full name as it appears on the policy.
   • Note your current billing date so you can request cancellation on a specific date if you wish.
2. Send a cancellation email to Figo's customer support.
   • Address: support@figopetinsurance.com
   • Subject line: "Policy Cancellation Request - [Your Policy Number]"
   • In the body, write clearly: "I request cancellation of my Figo pet insurance policy effective [date]. My policy number is [XXX], pet name is [XXX], and my full name is [XXX]. Please confirm receipt of this request and provide a cancellation confirmation number and refund amount (if applicable)."
   • Do not rely on a phone call alone; email creates a paper trail.
3. Confirm receipt with a phone call (optional but recommended).
   • Call Figo's customer service line at 1-844-738-1346 to confirm that your cancellation email was received.
   • Ask for the name of the representative you speak to and note the time and date of the call.
   • Request they provide you with a reference number for your cancellation request.
   • Warning: Do not cancel by phone alone; the phone call is only to confirm that your written request was received.
4. Wait for written confirmation from Figo.
   • Figo should respond within 5 to 10 business days with a cancellation confirmation email.
   • This email will state your cancellation effective date and any refund amount you'll receive.
   • If you don't hear back within 10 business days, send a follow-up email marked "URGENT" and copy in a reference to your original email date.
5. Verify the cancellation details.
   • Check that the effective cancellation date matches your request.
   • Confirm the refund amount aligns with your policy's terms (full refund if within free-look, prorated if after).
   • Save the confirmation email and any attachments to your device and also to an email folder or cloud storage.
6. Check your bank account for the refund.
   • Refunds typically process within 7 to 14 business days after your cancellation effective date.
   • If you don't see the refund after 15 business days, contact Figo again with your cancellation confirmation number.

Cancelling figo trattoria reservations

Cancelling a restaurant reservation at Figo Trattoria is far simpler than cancelling insurance. Phone is the fastest and preferred method. Call the restaurant directly at +1 647 748 3446 and clearly state that you need to cancel your reservation. Provide the name on the reservation, the date and time you booked, and the number of guests. Ask the staff member to confirm the cancellation and note the date and time you called. Most restaurants do not charge a cancellation fee unless stated in their reservation policy, and no refund is typically issued for a simple cancellation (since you paid nothing at reservation time).

What to expect after you cancel figo

Cancellation is just the beginning; here's what happens next and what you should monitor.

Coverage timeline and final billing

Your Figo pet insurance remains active through your cancellation effective date. If your policy cancels on the 15th of the month, you are still covered up to and including the 15th. Any claims filed after your cancellation date will be denied, so do not delay submitting claims for expenses incurred before the cancellation date. Your final invoice will reflect only the portion of the month you were insured; any overpayment will be refunded as a separate transaction. Stopee recommends submitting any pending claims at least 5 business days before your cancellation date to avoid processing delays.

Record-keeping after cancellation

Save your cancellation confirmation email, your final invoice and any refund receipt for at least 6 years. If you need to file a complaint with a provincial regulator, these documents prove the timeline and terms. Additionally, keep a record of any claims you filed while insured in case a dispute arises later about whether a particular expense was covered.

Transitioning to a new pet insurance provider

Once Figo is cancelled, you have a brief window before coverage lapses. Most insurers require a new application and impose a waiting period (typically 10 to 14 days) before coverage begins. Pre-existing conditions are not covered by any new insurer, so timing matters. Apply for your new policy at least 2 weeks before Figo cancels to avoid uninsured gaps. Stopee often sees Canadians lose coverage unintentionally during the transition; plan ahead.

Common cancellation mistakes and how to avoid them

Cancelling Figo is straightforward, but a few missteps can cost you time and money.

Mistake 1: calling to cancel without following up in writing

Many Canadians call Figo, have a pleasant conversation and think cancellation is done. It is not. A phone call leaves no written proof. Weeks later, your account is still active and you're charged again. Always send an email after any phone conversation. The email is your evidence.

Mistake 2: not checking the free-look period rules for your province

You may be entitled to a full refund if you cancel within 10 to 30 days, but only if you know your province's specific rules. Some provinces allow longer free-look periods for insurance. Check your policy documents or contact your provincial regulator to confirm. Stopee has seen consumers accept prorated refunds when they qualified for full refunds, simply because they didn't ask.

Mistake 3: cancelling mid-month without understanding the pro-rata calculation

If you cancel on the 10th of a 30-day month, you don't get a refund for the full remaining 20 days. Figo calculates the per-day cost of your premium and refunds only the unused portion. Always request the exact calculation in writing before you confirm cancellation.

Mistake 4: not requesting a cancellation confirmation number

Without a confirmation number, you have no way to track your cancellation or escalate if it fails. Always ask for a specific cancellation reference number and include it in all follow-up communications.

Cancellation checklist for figo

Use this checklist to ensure you've covered every step before you finalize your decision.

When to cancel figo and when to keep it

Not every cancellation is the right call. Here's how to decide.

Reasons to cancel figo pet insurance

Cancel if you've found a plan with better coverage at a lower cost and your new insurer will cover your pet immediately (or accepts your pet's pre-existing conditions, which is rare). Cancel if your pet's health has improved dramatically and you no longer need insurance coverage. Cancel if Figo has repeatedly denied legitimate claims or if you've had consistently poor customer service and exhausted your complaint options. Cancel if your pet is approaching end of life and you're confident in your ability to cover remaining care out of pocket. Cancel if you're relocating outside Canada and your new province's regulations favour a different insurer. Otherwise, keep your coverage; going without pet insurance exposes you to catastrophic financial risk.

Reasons to keep figo pet insurance

Keep Figo if your pet is young and healthy; your premium is lower now and will only increase with age. Keep it if your pet has a known condition; switching to a new insurer means that condition becomes pre-existing and ineligible. Keep it if you've had positive claim experiences; consistency is valuable. Keep it if the coverage tier matches your financial comfort with out-of-pocket vet expenses. Most importantly, keep it if cancelling leaves you without any pet insurance; the gap is the real risk. Stopee's data shows that Canadian pet owners face average emergency vet bills of $2,000 to $5,000, and one catastrophic illness can cost $10,000 or more. Insurance protects you from that shock.

Comparing figo to other canadian pet insurers

Before you cancel, see how Figo stacks up against competitors.

Pro tip: Cost is not the only factor. Compare waiting periods, pre-existing condition rules, annual maximums and claim turnaround time. Figo's online portal is user-friendly, which matters when you're stressed and facing a vet bill.

Key takeaways and next steps

Cancelling Figo pet insurance in Canada is a straightforward process if you follow a written protocol. Send an email with your policy number and cancellation request to support@figopetinsurance.com, confirm receipt with a phone call to 1-844-738-1346, and monitor for a written cancellation confirmation within 10 business days. Your refund depends on the free-look period applicable in your province; if you're within 10 to 30 days and have not filed a claim, you'll receive a full refund. After that, refunds are prorated based on the days you were insured.

For Figo Trattoria restaurant reservations, simply call +1 647 748 3446 and confirm the cancellation with the staff member who answers. No written documentation is typically required for a restaurant reservation cancellation.

Stopee empowers you to cancel with confidence. We've helped thousands of consumers navigate insurance cancellations, refund disputes and service transitions. Whether you're leaving Figo or any other provider, document everything in writing, keep your records for at least 6 years and escalate to your provincial regulator if the company refuses to honour your rights. Your consumer protections are real, and Stopee exists to help you use them.

Contact information and resources

Figo Pet Insurance customer service: 1-844-738-1346 (phone), support@figopetinsurance.com (email)

Figo Trattoria: +1 647 748 3446 (Toronto)

Provincial insurance regulators in Canada:

• Ontario: Financial Services Regulatory Authority (FSRA), fsra.ca
• British Columbia: Insurance Council of British Columbia, icbc.bc.ca
• Alberta: Alberta Financial Services Regulatory Authority, afsra.ca
• Quebec: Autorité des marchés financiers (AMF), lautorite.qc.ca
• Other provinces: Contact your provincial Ministry of Finance for your local insurer ombudsman.

Visit Stopee.com for guides on cancelling other Canadian services, managing refunds and understanding your consumer rights across industries. Stopee is your trusted companion in every cancellation journey.