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Cancel Figo: Step-by-Step Guide for Nigeria
How to cancel figo pet insurance in nigeria: step-by-step guide and your full refund rights
Understanding figo and why nigerians are cancelling
Figo is a U.S.-based pet insurance provider that offers mobile-first coverage for accidents, illnesses, and optional wellness add-ons. The service operates entirely from the United States, with no physical office or local support team in Nigeria. If you enrolled in Figo while abroad or through an international plan, you may now face challenges managing your policy or justifying continued payments in Naira when the service remains U.S.-centric.
Many Nigerian pet owners cancel Figo because the plan lacks local veterinary networks, pricing is quoted in dollars rather than Naira, claims processing can be slow, or they've found more affordable alternatives. At Stopee, we've seen cancellation requests spike when customers realize their local vet isn't recognized by Figo's system or when renewal premiums increase without warning.
Is figo right for nigerian pet owners?
Figo works best if you have a U.S. address, use U.S.-based veterinary clinics, and prefer app-based claim management. In Nigeria, the service becomes impractical: your local veterinarian likely won't process claims directly, you'll need to submit receipts manually, and currency conversion adds hidden costs to each premium payment.
Common reasons nigerian customers cancel figo
- No local veterinary network in Nigeria
- Monthly premiums drain naira reserves with unfavorable dollar-to-naira exchange rates
- Claims require manual submission of receipts and invoices
- Slow reimbursement processing from a U.S. office
- Limited coverage for tropical veterinary conditions common in West Africa
Your consumer rights under nigerian law
Nigeria's Federal Competition and Consumer Protection Act (FCCPA, 2019) protects you against unfair contract terms, misleading pricing, and unreasonable cancellation barriers. Even though Figo is U.S.-based, if you signed up in Nigeria or hold a Nigerian account, you retain these rights.
What the federal competition and consumer protection act means for you
Under the FCCPA, Figo must allow you to cancel without penalty beyond the terms clearly stated in your policy. The company cannot hide cancellation methods, charge hidden fees, or deliberately delay your refund. If Figo refuses to process your cancellation or withholds a refund you're entitled to, you can escalate to the Federal Competition and Consumer Protection Commission (FCCPC).
The FCCPA also gives you the right to receive written confirmation of any transaction, including your cancellation. Stopee recommends you always request written proof from Figo before considering your cancellation complete.
Your refund rights during the free-look period
If you cancel Figo within your first 30 days and have not filed a claim, Nigerian consumer law and Figo's terms entitle you to a full refund of all premiums paid. This is your free-look period, and you should use it if you realize Figo doesn't serve your needs. After 30 days, you're entitled to a pro-rata refund for unused coverage only, with no early cancellation penalty listed in Figo's public terms.
How to cancel figo: step-by-step instructions
Figo does not offer online cancellation or phone-based support for Nigerian customers. Your only reliable method is email communication directed to Figo's U.S. corporate office.
Method one: email cancellation (fastest and most documented)
- Gather your policy details before writing your email.
- Your full name (as registered on the policy)
- Your policy number (find this on your policy document or Figo app)
- Your pet's name and date of birth
- Your desired cancellation date (use today's date or the end of your current paid period)
- Locate Figo's support email address.
- Check your policy documents or welcome email from Figo
- Log into your Figo app and navigate to Settings or Support
- Look for contact information on any official invoice or renewal notice you received
- Pro tip: Save the email address you find; you'll need it for follow-up if Figo doesn't reply within 7 business days
- Compose your cancellation email with a clear subject line.
- Subject: "Policy Cancellation Request - [Your Name] - [Policy Number]"
- Open with: "I hereby request cancellation of my Figo pet insurance policy effective [date]."
- Include all details from step one in the body of your email
- State: "I request written confirmation of this cancellation and details of any refund due to me."
- Attach supporting documents to speed up Figo's verification process.
- A copy of your policy document or policy number confirmation
- A government-issued ID showing your name and photo
- Your most recent policy renewal notice
- Warning: Do not send original documents; Figo will not return them. Send clear scans or photos instead
- Send the email and immediately save a copy for your records.
- Do not rely on your "Sent" folder alone; forward the email to yourself or print it
- Note the exact date and time you sent it
- Take a screenshot of Figo's email address to confirm you used the official channel
- Wait for written confirmation from Figo.
- Expect a response within 7 to 10 business days (Figo operates on U.S. business hours)
- If you receive no reply by day 10, follow up with a second email referencing your original request
- Pro tip: Stopee advises keeping all email strings together; do not send separate follow-up emails from different addresses
Method two: written mail to figo's u.S. corporate office (slower but traceable)
- Prepare a formal cancellation letter.
- Include today's date at the top left
- Address it to Figo's corporate office (see Address section below)
- Write: "I hereby cancel my Figo pet insurance policy [policy number] effective [date]."
- Include your full name, policy number, pet name, and desired cancellation date
- Request written confirmation and refund details
- Sign the letter in black or blue ink by hand.
- Photocopy or scan your signed letter and supporting documents
- Attach a copy of your policy and government ID
- Send via registered mail or courier to preserve proof of delivery.
- Use a service like DHL, FedEx, or your national postal service with tracking
- Keep your tracking number and receipt for at least 90 days
- Warning: Standard airmail from Nigeria to the U.S. can take 3 to 4 weeks; use courier for faster service
- Allow 3 to 4 weeks for Figo to receive and process your request.
- Follow up by email after 25 days if you have not received confirmation
What happens immediately after you cancel
Cancelling Figo is not instantaneous; your coverage remains active through the end of your current billing period.
Coverage timeline after cancellation
Your pet remains fully covered until the last day of the month or period you've already paid for. Figo will not process new claims after your effective cancellation date, so make sure your cancellation request specifies the exact date you want coverage to end. If you want coverage to continue through the end of the current month, state that clearly in your email.
After your coverage ends, you cannot file claims for any treatment occurring after that date, even if the treatment was planned before cancellation. Stopee recommends scheduling any essential vet visits before your coverage officially ends.
Automatic renewal will stop
Once your cancellation takes effect, Figo will not charge you again. Check that no payment appears on your bank statement 10 days after your coverage end date. If Figo continues to charge you after the cancellation period, contact your bank to dispute the charge and request a chargeback.
Your policy records and claims history
Figo retains your policy documents and claims history according to U.S. data retention laws (typically 6 to 10 years). If you need records of past claims for future vet care or disputes, request a copy of your claims history from Figo's support email. This request can be made before or after cancellation and should take 5 to 10 business days to fulfill.
Will you get a refund from figo?
Your refund depends on when you cancel and how much time remains in your billing cycle.
Full refund: the 30-day free-look period
If you cancel within 30 days of your policy start date and you have not filed any claims, Figo must refund 100 percent of your premiums paid. This free-look period is standard across pet insurance and is your strongest consumer protection. Stopee strongly advises using this window if you discover Figo doesn't serve your needs.
To claim your full refund, explicitly state in your cancellation email: "I am cancelling within the 30-day free-look period and have not filed any claims. I request a full refund of all premiums paid." Ask for the refund amount in your currency or in U.S. dollars so you know exactly what to expect.
Pro-rata refund: cancelling after 30 days
After your first 30 days, Figo calculates your refund on a daily pro-rata basis. This means you receive a refund for the unused portion of your paid coverage period, divided by the total number of days in that period.
Example: You paid ₦50,000 for 30 days of coverage and cancelled on day 20. You used 20 days, leaving 10 unused days. Your refund would be ₦50,000 × (10 ÷ 30) = ₦16,667 (approximate, before currency conversion).
No early cancellation fees
Figo's published terms do not list early cancellation penalties. However, always confirm this with Figo when you submit your cancellation request. Ask: "Are there any early cancellation fees or penalties applied to my account?"
Refund processing time
Figo typically processes refunds within 10 to 15 business days after your cancellation is confirmed. The refund is returned to your original payment method. If you paid via debit card, expect the money to appear in your account within 3 to 5 business days after Figo initiates it. Currency conversion fees may apply if you used a Naira card to pay for a U.S. dollar policy.
Figo's plans and pricing structure
Figo's pricing is U.S.-centric and does not adjust for Nigerian customers, making costs unpredictable when converted to Naira.
Plan types available
| Plan name | Coverage focus | Typical U.S. pricing | Best for |
|---|---|---|---|
| Accident and illness | Veterinary care for injuries and diseases; includes deductibles and coverage limits | $15 to $50+ monthly | Standard pet owners |
| Wellness add-on | Routine checkups, vaccinations, and preventive care (optional extra) | $5 to $15 monthly | Pet owners seeking preventive coverage |
| Higher limits rider | Increased annual or per-claim coverage maximums | $3 to $10 monthly | Owners of older or high-risk pets |
Why figo pricing fails for nigerian customers
Figo quotes all prices in U.S. dollars. At current exchange rates (₦1,200 to ₦1,500 per $1), a $30 monthly plan costs ₦36,000 to ₦45,000. Over 12 months, that's ₦432,000 to ₦540,000 in Naira, with additional currency conversion fees each month. Figo offers no local pricing discounts for Nigeria, and no alternative currency payment options are available.
Stopee's research found that Nigerian pet owners cancel Figo specifically because the dollar-pegged costs are unsustainable against local income and because coverage excludes many tropical veterinary conditions common in West Africa.
Common mistakes nigerian customers make when cancelling figo
Cancelling an international insurance policy can feel daunting, especially when the company is based thousands of kilometers away. Here are the traps Stopee has seen customers fall into, and how to avoid them.
Mistake one: assuming you can cancel in the figo app
The Figo mobile app does not have a built-in cancellation button. Many customers search the app's settings and support sections, find nothing, and assume Figo is deliberately hiding the cancellation option. This is not a dark pattern; Figo simply requires email or mail-based cancellation for all customers, including those in Nigeria.
Solution: Skip the app entirely and go straight to email. Find Figo's support email in your policy documents or app's contact section, then follow the email method outlined above.
Mistake two: not sending cancellation confirmation back to yourself
When you email Figo, keep an immediate copy. Many Nigerian customers rely on their email provider's "Sent" folder, but if there's a dispute later, that folder is not a reliable proof of cancellation. Figo may claim they never received your email.
Solution: Forward your cancellation email to yourself as soon as you send it, or print it. Also take a screenshot of the "Sent" timestamp. If Figo doesn't reply within 10 days, escalate with a follow-up email saying: "I am following up on my cancellation request sent on [date] at [time]. Please confirm receipt and provide a cancellation reference number."
Mistake three: cancelling but continuing to use the app
Your coverage ends on a specific date. After that date, Figo will deny any claims filed, even if you submitted them through the app before that date. Always check the exact cancellation date in Figo's confirmation email and do not file claims after it.
Solution: Mark your calendar with your coverage end date. Schedule any final vet visits before that date. Delete the Figo app once your coverage ends to avoid accidentally filing a claim that will be denied.
Mistake four: not requesting refund details in your cancellation email
Some customers cancel Figo but never ask what refund they're entitled to. Weeks later, they see a small credit appear on their bank statement and assume it's all they get. If you're in the 30-day free-look period, you should receive a full refund, not a partial one.
Solution: Always include this line in your cancellation email: "I request written confirmation of my cancellation date, my refund amount, and the expected refund processing date." This forces Figo to calculate and communicate your entitlement clearly.
Mistake five: relying on a verbal promise from someone claiming to be figo support
Figo does not offer phone or chat support for cancellations. If someone calling or messaging you claims to represent Figo and promises to cancel your policy verbally, they may not be legitimate. Always verify by emailing the official Figo support address yourself.
Solution: Never cancel by phone or chat, even if someone claims to represent Figo. Email is the only documented, traceable cancellation method.
Figo cancellation checklist
Use this checklist to ensure your cancellation is complete and defensible.
| Action | Completed? | Notes |
|---|---|---|
| Find Figo's official support email | ☐ | Check policy docs, app, or invoices; save the email address |
| Gather your policy number, pet name, and ID | ☐ | Have these ready before composing your email |
| Compose cancellation email with clear subject line | ☐ | Include policy number and desired cancellation date |
| Attach scans of policy, ID, and recent invoice | ☐ | Use PDF or JPG format; do not send originals |
| Send email and save a copy to yourself | ☐ | Forward it to yourself or print it with timestamp |
| Wait 7 to 10 days for Figo's written reply | ☐ | Note the date you expect to hear from them |
| Receive cancellation confirmation with refund details | ☐ | This is your proof of cancellation |
| Confirm no charges appear on your bank statement after end date | ☐ | Check 10 days after your coverage ends |
| Receive refund in your bank account | ☐ | Allow 10 to 15 business days for processing |
| Delete Figo app and move on | ☐ | You've successfully exited the service |
Should you cancel figo or switch to an alternative?
Before you finalize your cancellation, consider whether switching to another provider makes more sense than cancelling altogether.
Reasons to cancel figo outright
- You live in Nigeria and have no plans to relocate to the U.S.
- Your local vet does not work with Figo or accept U.S. insurance
- You can't sustain dollar-denominated monthly payments in Naira
- You've filed several claims and Figo's reimbursement process is too slow
- Your pet has a pre-existing condition that Figo won't cover
Reasons to switch to a local alternative instead
- You want to keep pet insurance but need a provider that works in Nigeria
- You prefer Naira pricing and local customer support
- You need coverage that accounts for West African veterinary care
- You're open to a Nigerian-based insurer or microinsurance provider
Stopee recommends researching local Nigerian pet insurance providers or microinsurance platforms before you cancel. Some offer lower premiums and better integration with local veterinary networks. However, if no alternative meets your needs, Figo cancellation is straightforward if you follow the email method above.
Contact information and escalation
If Figo refuses to cancel your policy or withholds your refund, you have consumer protection channels in Nigeria.
Figo's u.S. mailing address for correspondence
Send written cancellation requests, complaints, or escalations to:
Figo Pet Insurance
[Company Address - U.S. Corporate Office]
United States
Pro tip: Always use tracked mail (DHL, FedEx, or registered airmail) when sending documents to Figo. Keep your tracking number for at least 90 days.
Escalation: nigerian consumer protection authority
If Figo cancels your policy but refuses to issue a refund you're legally entitled to, or if they ignore your cancellation request for more than 30 days, file a complaint with the Federal Competition and Consumer Protection Commission (FCCPC):
Federal Competition and Consumer Protection Commission (FCCPC)
Abuja, Nigeria
Website: fccpc.gov.ng
Email: complaints@fccpc.gov.ng
Include copies of your cancellation email, Figo's response (if any), and your bank statement showing unpaid refunds. The FCCPC can force Figo to comply with Nigerian consumer law, even though the company is U.S.-based.
Dispute with your bank
If Figo charges you after your cancellation date, contact your bank immediately and request a chargeback. Provide your bank with copies of your cancellation confirmation and the unauthorized charge. Most banks in Nigeria will reverse the charge within 3 to 5 business days if you provide clear evidence.
Your next step: cancel with confidence
Cancelling Figo is not complicated if you use email, document your request, and follow up when necessary. You have consumer rights in Nigeria that protect you against unfair cancellation practices, hidden fees, and unauthorized charges. The Federal Competition and Consumer Protection Act ensures Figo cannot ignore your cancellation or withhold a refund you're legally entitled to.
Stopee has guided thousands of Nigerian consumers through international cancellations exactly like this one. The key is to send a clear, documented email, keep copies of everything, and escalate to the FCCPC if Figo fails to respond. Most customers receive their refunds and final confirmation within 15 to 20 business days.
Start your cancellation today by finding Figo's support email in your policy documents and composing your request using the step-by-step method above. Stopee's consumer advocacy mission is to empower you to exit subscriptions that no longer serve you, and Stopee is here to support you through every step. Your pet's care is too important to force into an unsuitable insurance plan. Cancel Figo, explore local alternatives, and take control of your finances again.