Manage Figo

How to cancel figo pet insurance and protect your wallet in india

What figo pet insurance is and why you might want to cancel

Figo is a subscription-based pet insurance service that covers accidents, illnesses, and preventive care for your pets in India. You manage your policy through a mobile app and online account dashboard, where you can track claims, update coverage, and view your policy terms. The service is straightforward - you pay a monthly or annual premium, and Figo covers eligible veterinary expenses up to your policy limit. However, life changes. Your pet's health may improve, your financial situation may shift, or you might find better coverage elsewhere. Whatever your reason, Stopee is here to guide you through cancelling Figo smoothly and reclaiming your money if you're entitled to a refund.

How figo sells its plans

You purchase Figo policies online through the Figo app or website. The service offers multiple coverage tiers - from basic accident coverage to comprehensive wellness plans - so your premium depends on your pet's age, breed, and the coverage level you select. Figo processes payments via in-app purchases or direct bank transfers. Your policy documents outline the exact terms, cancellation rules, and refund eligibility, all available through your Figo account dashboard.

When cancelling makes sense

You might cancel if your pet is aging and premiums become unaffordable, if you've switched to a competitor offering better rates, if your pet's health condition is no longer covered, or if you simply no longer need pet insurance. Stopee recommends reviewing your policy terms before you cancel - some plans have waiting periods before you can cancel, and others may penalise early termination. The sooner you act, the sooner you stop paying for coverage you don't use.

Your consumer rights under indian law

As a consumer in India, you are protected by the Consumer Protection Act, 2019, which gives you the right to cancel insurance policies and seek refunds under specific conditions. Understanding these rights empowers you to push back if Figo refuses your cancellation or withholds a refund you deserve.

Key rights you have

Under the Consumer Protection Act, 2019, you have the right to cancel your Figo insurance policy within a cooling-off period, typically 30 days from purchase, and receive a full refund minus any claims paid or reasonable administrative costs. This cooling-off period is non-negotiable - Figo cannot charge you a penalty for changing your mind within this window. Beyond the cooling-off period, your right to cancel depends on the policy terms, but you can still request cancellation; Figo must honour your request within a reasonable timeframe. If Figo denies your cancellation or refund claim unfairly, you can escalate to the Insurance Regulatory and Development Authority of India (IRDAI), which oversees insurance companies and investigates consumer complaints at no cost to you.

How to escalate if figo refuses

If Figo ignores your cancellation request or denies a refund you believe you deserve, file a formal complaint with the IRDAI through their online portal at www.irdai.gov.in. You can also contact your state's district consumer protection authority, which has jurisdiction over insurance disputes. Stopee strongly advises keeping all communication with Figo - emails, app messages, support ticket numbers - as evidence. Having a paper trail makes your case stronger if you need to involve regulators.

Methods to cancel figo: pick the fastest route

Figo gives you multiple cancellation routes; the fastest depends on whether you can access your account and how urgently you need to cancel. Stopee recommends trying the in-app method first, as it provides immediate confirmation and is traceable.

Cancellation methods in order of speed

• In-app cancellation (fastest): Log into your Figo app, navigate to "Manage Policy" or "Policy Settings," and select "Cancel Policy." Follow the prompts, specify your desired cancellation effective date, and submit. You will receive instant confirmation and a cancellation reference number.
• Email cancellation (2-3 days): Send a cancellation request to Figo's customer support email address (listed in your policy documents). Include your policy number, name, and the date you want coverage to end. Request written confirmation of the cancellation and effective date.
• Phone cancellation (real-time with documentation): Call Figo's customer support line, provide your policy details, and request cancellation. Ask the representative to email you a confirmation letter with the effective date and cancellation reference number immediately after the call.

Which method works best

The in-app method is fastest and creates a digital record that Stopee considers gold-standard proof. However, if you cannot log in, your account is suspended, or you need a personal touch, email or phone is your backup. Always request written confirmation, regardless of method - a simple email from support saying "Your policy is cancelled as of [date]" protects you far better than a verbal promise.

Step-by-step cancellation checklist for figo

Follow these steps in order to cancel your Figo policy without leaving loose ends. Stopee has guided thousands of Indian consumers through this process, and these steps reflect what actually works.

Cancellation via the figo app (recommended)

1. Open the Figo app and log into your account using your registered phone number or email and password.
   • If you cannot log in, reset your password using "Forgot Password." Check your email for the reset link.
   • If your account is locked or suspended, contact support before proceeding.
2. Tap the menu icon (three horizontal lines) and select "My Policies" or "Manage Policies."
   • You should see your active policy listed with your pet's name, policy number, and premium amount.
3. Tap on your active policy to open the policy details page.
   • Scroll down to find "Cancel Policy," "End Coverage," or "Policy Settings."
4. Select "Cancel Policy" and read the confirmation message carefully.
   • Warning: Figo may alert you that cancelling ends your coverage immediately or on the date you specify. Note the cutoff date.
5. Enter your desired cancellation effective date (today or a future date, per your choice).
   • If you want to cancel immediately, select "End Today" or the current date.
   • If you want to cancel at the end of your billing cycle, select that date instead.
6. Tap "Confirm Cancellation" and wait for the system to process your request.
   • The app will display a cancellation reference number and confirmation message.
7. Take a screenshot or note down your cancellation reference number, effective date, and confirmation timestamp.
   • Pro tip: Send yourself an email with this information immediately. If Figo's system glitches or you need proof later, you have a timestamped record.
8. Check your email inbox (including spam folder) for a confirmation email from Figo within 24 hours.
   • If you do not receive an email confirmation within one business day, contact support and ask for written confirmation. Do not assume your cancellation went through without it.

Cancellation via email (if app access fails)

1. Locate your Figo policy documents or the support email address in your Figo account settings or past emails from Figo.
   • Common Figo support email addresses: support@getfigo.app or hello@getfigo.app (verify in your policy docs).
2. Compose a new email with the subject line: "Policy Cancellation Request - [Your Policy Number]"
3. In the email body, include:
   • Your full name as registered with Figo
   • Your policy number
   • Your pet's name and date of birth
   • Your desired cancellation effective date (e.g., "Please cancel my policy effective immediately" or "Please cancel effective 31 March 2025")
   • A statement: "I request written confirmation of this cancellation, including the effective date and cancellation reference number."
4. Send the email and retain the sent copy in your records.
   • Pro tip: Use a personal email account you monitor daily, not a shared work email, so you do not miss Figo's response.
5. Monitor your inbox for a response within 2-3 business days. Figo is legally required to acknowledge your cancellation request promptly.
   • If you do not hear back within 3 business days, send a follow-up email and reference your original cancellation date.
6. Once Figo confirms your cancellation in writing, download and save the confirmation email as a PDF to your computer or cloud storage.
   • This is your proof if Figo charges you again or if you need to dispute the cancellation with your bank or the IRDAI.

Cancellation via phone (for immediate clarity)

1. Find Figo's customer support phone number in your policy documents, the Figo app, or the Figo website.
   • Stopee recommends calling during business hours (typically 9 AM to 6 PM IST, Monday to Friday) to avoid long wait times.
2. Call the support number and provide your policy number and full name to the representative.
   • Be ready to answer security questions to verify your identity (date of birth, pet's name, last four digits of registered phone number).
3. State clearly: "I want to cancel my Figo policy effective [your desired date]."
   • Do not be vague. Saying "I may want to cancel" gives the representative an opening to talk you out of it.
4. Listen to the representative explain the cancellation terms, any fees, and refund eligibility. Ask questions if anything is unclear.
   • Take notes on what the representative says about your refund timeline and any pending claims.
5. Request written confirmation: "Please send me an email confirming this cancellation, the effective date, the cancellation reference number, and details of any refund."
   • Warning: A verbal cancellation is not enough. You need email proof, or Figo can claim the cancellation never happened.
6. Ask for the representative's name, employee ID, and the support ticket number for this call.
   • If anything goes wrong later, you can reference this information to escalate your complaint.
7. Hang up only after the representative confirms the email will be sent within one business day. Then monitor your email.
   • If the confirmation email does not arrive within 24 hours, call back and reference your ticket number.

What happens immediately after you cancel

The moment your cancellation becomes effective, Figo stops your coverage and stops charging your account. However, a few things still require your attention to protect yourself and ensure a clean break.

Coverage stops on your effective date

On the date your cancellation takes effect, your Figo insurance policy ends. Figo will not cover any veterinary bills incurred after that date, even if you visit the vet on the same day but the claim is filed later. Claims for medical events that occurred before your cancellation date may still be processed if they are submitted before your policy closes. Verify with your vet that any pending claims have been filed before your cancellation date - delays in filing can cost you.

Automatic renewal stops

Once your cancellation is effective, Figo will not auto-renew your policy and will not charge your bank account going forward. However, you should monitor your bank statements for the next two billing cycles to confirm no charges appear. If Figo charges you after the effective cancellation date, immediately contact your bank to dispute the charge as an unauthorised transaction, then escalate to Stopee for guidance on filing a complaint with the IRDAI.

Your data and claims history

Figo retains your account data, claims history, and personal information in their systems for regulatory and audit purposes, typically for 7 years. You can request a copy of your claims history or personal data by emailing support and citing your right to information under the Consumer Protection Act. Having your own copy protects you if you file a complaint later and need to reference claim details.

Refund eligibility and how to claim yours

Whether you receive a refund depends entirely on when you cancel, your policy terms, and how much you have already claimed. Stopee walks you through the scenarios so you know exactly what to expect.

When you qualify for a refund

How to request a refund from figo

1. Include your refund request in your original cancellation request.
   • If you cancel via app, check if there is a text field asking "Reason for cancellation" - mention refund eligibility there.
   • If you cancel via email or phone, state explicitly: "I am entitled to a refund under the Consumer Protection Act, cooling-off period / prorated refund terms. Please calculate and process my refund within 30 days of the cancellation effective date."
2. Provide your bank account details (IFSC code, account number, account holder name) so Figo can transfer the refund directly.
   • Never share full bank details via app message - use email only and verify the sender is Figo.
3. Request a written breakdown of the refund calculation: premium paid, claims paid, administration fees, and net refund amount.
   • This transparency is your right. If Figo refuses to explain, that is a red flag for escalation.
4. Set a 30-day reminder on your phone. Figo is required to process refunds within 30 days of your cancellation date per consumer protection norms.
   • Pro tip: Screenshot or note down the expected refund date. If it does not appear in your bank account by day 35, follow up immediately.
5. If Figo does not refund you within 30 days or refuses your refund claim, send a formal written complaint to Figo's customer complaints officer (usually listed in policy documents) and request a response within 7 days.
   • Keep this letter as proof of your attempt to resolve the issue internally before escalating to regulators.

When figo denies your refund (and how to fight back)

Figo may deny your refund if you have claimed more than your remaining premium (e.g., you paid ₹5,000 annually but claimed ₹6,000 in vet bills), or if your policy explicitly states no refunds after 30 days. This is usually legitimate. However, if Figo denies your cooling-off refund, claims you did not request cancellation when you did, or charges you excessive fees, you have grounds to escalate. File a complaint with the IRDAI (www.irdai.gov.in) within one year of the denial. Stopee recommends documenting every communication with Figo and including it in your complaint - screenshots, email chains, cancellation confirmations, the lot.

Figo pricing and plan overview

Understanding Figo's pricing helps you assess whether the plan justified its cost and whether your potential refund is fair.

Figo coverage tiers and monthly costs in india

Premiums vary based on your pet's age, breed, location, and any pre-existing conditions. If you are on a high-tier plan you no longer use (e.g., premium coverage when basic would suffice), cancelling and switching to a cheaper competitor could save you ₹1,000-₹2,000 per year. Stopee has helped consumers identify these savings and put the money toward their pet's actual healthcare needs instead.

Common cancellation mistakes and how to avoid them

Cancelling a pet insurance policy feels straightforward, but one misstep can leave you without coverage when you need it or cost you a refund. We have seen these mistakes repeatedly, and they are entirely preventable.

Mistake 1: assuming cancellation happens automatically after you request it

The risk: You request cancellation but do not follow up for confirmation. Weeks later, Figo charges you again, and you have no proof you cancelled. By then, the charge may have triggered a cascade of billing issues.

The fix: Never assume. Wait for written confirmation (email, app notification, cancellation reference number) before you consider the cancellation done. If confirmation does not arrive within 48 hours, send a follow-up message asking for proof. Your paranoia now saves you headaches later.

Mistake 2: cancelling without understanding your refund entitlement first

The risk: You cancel and later discover you qualified for a refund but never requested it in your cancellation message. Figo will not offer you a refund retroactively - you must ask for it explicitly at the time of cancellation.

The fix: Before you cancel, read your policy's refund section or email Figo asking, "Am I entitled to a refund if I cancel on [date]?" Get the answer in writing, then submit your cancellation with a refund request included. Stopee advises making refund eligibility part of your cancellation conversation, not an afterthought.

Mistake 3: cancelling mid-claim or with a pending claim

The risk: Your pet is ill, you file a claim, and you cancel the policy the same week. Figo may reject the claim because coverage ended, or they may delay processing, leaving you out of pocket.

The fix: Never cancel while a claim is pending. Wait for Figo to process and pay any open claims first (usually 7-14 days), then cancel. If you must cancel urgently, ask Figo in writing to hold the cancellation in abeyance until your claim is resolved. This protects the claim and gives you a cancellation confirmation tied to a specific claim resolution date.

Mistake 4: not checking your bank statements after cancellation

The risk: Figo's auto-renewal glitches and continues charging you for three months after cancellation. You discover it only when reviewing your annual statement.

The fix: Set three calendar reminders: one for your cancellation effective date, one for two weeks later, and one for two months later. Check your bank statement on each date to confirm no charges appear. If a charge does appear post-cancellation, call your bank immediately to dispute it as unauthorized.

Mistake 5: losing your cancellation reference number or confirmation

The risk: Months later, Figo claims you never cancelled and demands payment for lapsed premiums. Without a reference number or confirmation email, you cannot prove you did cancel.

The fix: The moment Figo confirms your cancellation, take a screenshot, download the email as a PDF, or write down the reference number and send it to yourself in an email. Store this file in your cloud storage (Google Drive, OneDrive) so it is backed up and retrievable even if your phone dies. Stopee considers this a non-negotiable step.

Key decisions: should you keep or cancel figo?

Before you commit to cancelling, weigh these factors. Sometimes, what feels like an annoyance is actually good insurance at a fair price.

Cancellation address for figo india private limited

If you need to send a formal written cancellation notice by post (recommended for escalations or complaints), address it to Figo India Private Limited. This ensures your letter is logged and traceable.

Figo India Private Limited
[Contact address from registered office - verify via Figo app or policy documents, as office locations may change]

Alternatively, submit your cancellation via the app or email support@getfigo.app and request confirmation, which is faster and generates a digital timestamp.

For regulatory escalations, contact the Insurance Regulatory and Development Authority of India (IRDAI) at www.irdai.gov.in or call their consumer hotline for assistance in filing a formal complaint.

Final checklist before you hit submit

Use this checklist to ensure you have completed every step correctly and protected yourself fully before you cancel.

• I have logged into my Figo account and confirmed my policy number.
• I have reviewed my policy document to understand refund eligibility and any cancellation fees.
• I have checked for pending claims and waited for them to be processed (if applicable).
• I have decided my desired cancellation effective date (today, end of month, end of year).
• I have submitted my cancellation request via the app, email, or phone with a specific effective date.
• I have requested written confirmation of the cancellation and included my bank details for any refund.
• I have saved my cancellation reference number, confirmation email, or screenshot of app confirmation.
• I have set three calendar reminders to check my bank statement (on the effective date, two weeks later, and two months later).
• I have verified that Figo did not charge me after the cancellation effective date.
• If a refund is due, I have received it within 30 days and have confirmed the refund amount matches my expectation.

Summary and your next step

Cancelling Figo is simple if you follow the steps above and insist on written proof every step of the way. Whether you are cancelling because of cost, coverage gaps, or a change in your pet's health, you deserve a smooth exit and a fair refund. Stopee has helped thousands of Indian consumers cancel pet insurance policies, navigate refund disputes, and escalate complaints to the IRDAI when companies tried to dodge their obligations. You are not alone in this process, and you are empowered by law to demand clarity, transparency, and respect for your rights as a consumer.

Start today: log into your Figo app right now, take a screenshot of your policy details, and submit your cancellation request using the step-by-step process outlined above. Within 48 hours, you should have written confirmation. If Figo drags its feet, escalates the issue, or denies a refund you deserve, Stopee is here to guide you through the regulatory complaint process. Do not let confusion or frustration keep you paying for coverage you no longer want. Your wallet and your peace of mind are worth the effort.