Cancel Figo: The Right Way to Navigate Your Options

How to cancel Figo in canada and understand your refund rights

What Figo is and why you might cancel

Figo operates as two distinct services in Canada: Figo Pet Insurance, a monthly subscription that reimburses eligible veterinary expenses for dogs and cats, and Figo Trattoria Inc., a Toronto-based restaurant. This guide helps you cancel either service with confidence and clarity. Whether you're reassessing your pet insurance coverage or need to cancel a restaurant reservation, understanding your options puts you firmly in control. Tocancel specializes in helping Canadians navigate these transitions, and we've mapped out every step to make your cancellation smooth and informed.

Understanding the two Figo services

Figo Pet Insurance is a monthly subscription where you pay out of pocket at the veterinary clinic and submit claims for reimbursement. 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 addresses both services, starting with insurance (the more complex cancellation) and finishing with restaurant reservations. Understanding which service you use is your first step toward a friction-free cancellation.

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 better coverage at a lower cost. 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 during this process. Tocancel'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 makes financial sense for your situation.

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 in Canadian dollars. Your actual quote will depend on your pet's specific profile and your province. Always request a formal quote from Figo to confirm your exact rate before making a cancellation decision.

What your Figo plan covers

Figo reimburses you for eligible veterinary expenses after you've paid the veterinary clinic directly. Most plans offer 80% reimbursement with annual maximums ranging from $5,000 to unlimited coverage, depending on which tier you select. Pre-existing conditions are typically excluded, and routine care such as vaccinations and dental 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. Before you cancel, compare at least three insurance providers 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 your right to cancel without penalty

Under Canadian provincial insurance legislation (which varies slightly by province), you have a free-look period of 10 to 30 days from the date you receive your Figo Pet Insurance policy documents. During this window, you can cancel without providing a reason and receive a full refund of any premiums you've paid. After the free-look period ends, cancellation is still available, but Figo may retain a portion of your premium or apply administrative fees depending on your province's rules. Your legal position: you always have the right to cancel, but timing affects your refund amount. Check your province's Insurance Act or contact your provincial superintendent of insurance for exact timelines in your jurisdiction.

Pre-existing condition clauses and your protection

If you cancel because a pre-existing condition is not covered, Figo's policy may explicitly exclude those expenses. This is legal under Canadian insurance law, but you have the right to know this exclusion in writing before you pay your first premium. If Figo did not clearly disclose pre-existing condition exclusions, you may have grounds to request a refund after the free-look period. Request written documentation of all exclusions from Figo in writing, and keep it for your records. Tocancel recommends documenting all communications with Figo to protect yourself if a dispute arises.

How to cancel Figo pet insurance step by step

Follow these clear, sequential steps to cancel your Figo Pet Insurance policy without delays or confusion.

Before you cancel: prepare your account information

Gather the following information before you contact Figo to cancel.

• Your Figo policy number (found on your policy documents or billing statement)
• Your account email address and phone number on file
• The date you wish your coverage to end (note: some policies allow immediate cancellation, others require 30 days notice)
• Your reason for cancellation (optional, but helpful if you need to escalate a dispute)
• Any outstanding claims or reimbursements pending

Having this information ready accelerates your cancellation and prevents delays caused by back-and-forth communication.

Contact Figo directly to initiate cancellation

Figo Pet Insurance accepts cancellation requests by phone, email and online account portal. Use the method fastest for your schedule.

1. By phone:
   • Call Figo's customer service line during business hours (hours vary by province)
   • Confirm you are speaking to a customer service representative, not a sales agent
   • State clearly: "I wish to cancel my Figo Pet Insurance policy effective [specific date]"
   • Provide your policy number and account details when requested
   • Ask for a cancellation confirmation number and request it in writing via email
   • Note the representative's name and time of call for your records
2. By email:
   • Send a clear, concise email to Figo's customer support address
   • Use the subject line: "Cancellation Request - Policy Number [Your Number]"
   • Include your full name, policy number, date of birth and requested cancellation date
   • State your reason for cancellation (optional but recommended)
   • Request written confirmation of your cancellation within 5 business days
   • Send via registered email or request a read receipt so you have proof of delivery
3. Via your online account portal:
   • Log into your Figo account on their website
   • Navigate to settings or account management
   • Select "Cancel Policy" or "End Coverage"
   • Follow the prompts to select your cancellation date
   • Take a screenshot of your confirmation page showing the cancellation request
   • Print or save the confirmation email Figo sends immediately after

Phone contact is fastest and creates an immediate record; email is best if you need a written trail for disputes or refund claims.

Confirm your cancellation in writing

After you initiate cancellation, request written confirmation from Figo within 5 business days.

• Your cancellation confirmation number
• The effective date your coverage ends
• Your final premium due (if any) or refund amount owed to you
• The date and method Figo will process your refund
• Any outstanding claims and their status

If Figo does not provide written confirmation within 5 business days, escalate your request by sending a follow-up email titled "Request for Cancellation Confirmation" and reference your original cancellation request date and confirmation number.

How to cancel a Figo trattoria restaurant reservation

Cancelling a restaurant reservation at Figo Trattoria requires a different approach than pet insurance cancellation.

Cancellation methods for Figo trattoria

Figo Trattoria accepts reservation cancellations by phone. This is the fastest and most reliable method.

1. By phone (preferred method):
   • Call Figo Trattoria at +1 647 748 3446
   • State clearly: "I need to cancel my reservation"
   • Provide your name, the date of your reservation and the number of people in your party
   • Ask when cancellation was processed and whether a confirmation will be sent
   • Note the staff member's name and time of your call
2. By email (alternative):
   • Send an email to Figo Trattoria's contact address if available on their website
   • Include your reservation name, date, party size and cancellation request
   • Request confirmation of cancellation within 24 hours
3. In person:
   • Visit Figo Trattoria during business hours and speak to a host or manager
   • Request cancellation of your reservation and ask for verbal or written confirmation

Calling ahead is fastest and ensures your table slot is immediately released for other guests.

Restaurant cancellation policies and notice requirements

Figo Trattoria, like most restaurants, may require 24 to 48 hours notice before your reservation date. Cancel as early as possible to avoid any potential charge or deposit hold. Most restaurants do not charge cancellation fees if you provide adequate notice, but confirm the restaurant's specific policy when you call. If you booked through a third-party platform like OpenTable or Resy, you may need to cancel through that platform instead of calling the restaurant directly.

Refunds and timeline for Figo pet insurance cancellation

Understanding when and how you receive your refund prevents frustration after you cancel.

When you are entitled to a refund

You are entitled to a refund if you cancel within the free-look period (10 to 30 days depending on your province). After the free-look period, you may owe the full premium for the month in which you cancel, and Figo typically applies a pro-rata calculation if you cancel mid-month. For example, if you cancel on day 15 of a 30-day billing cycle, you owe approximately 50% of that month's premium, and Figo refunds the remainder. Ask Figo in writing to provide a detailed refund calculation showing dates, amounts and any deductions before you accept their offer.

How Figo processes refunds

Figo typically processes refunds within 10 to 15 business days after your cancellation is confirmed. Refunds are returned to your original payment method (credit card, debit card or bank account). If you paid by cheque, Figo may issue a cheque refund instead. Monitor your bank account and credit card statements for 21 days after cancellation to verify the refund appears. If you do not see the refund by day 21, contact your bank to confirm whether Figo initiated the transaction. If Figo did not process the refund, escalate to Tocancel's team for guidance on filing a dispute with your bank or provincial regulator.

Disputes over refund amounts

If Figo's refund amount differs from what you expected, request itemized documentation showing:

• Total premiums paid since your policy start date
• Dates and amounts of any claims reimbursed
• Cancellation date and pro-rata calculation (if applicable)
• Any administrative or processing fees deducted from your refund
• Net refund amount and expected deposit date

Tocancel recommends verifying this calculation against your billing statements. If the amounts do not match, file a written complaint with Figo within 30 days and request a detailed explanation of all deductions.

Common mistakes when cancelling Figo

Cancellation can feel daunting, especially if you're unsure of your rights. These mistakes are fixable; knowing them in advance helps you avoid delays and disputes.

Mistake 1: cancelling without checking your free-look period

If you cancel after the free-look period expires (10 to 30 days), you may forfeit a full or partial refund depending on your province's rules. Check your policy documents immediately to confirm the exact free-look end date. If you are still within the window, cancel today. If you just missed the deadline, contact your provincial superintendent of insurance to ask whether an exception applies.

Mistake 2: not requesting written confirmation

Verbal cancellation confirms intent but does not create a written record. If Figo later claims your policy is still active or disputes the cancellation date, you have no proof. Always insist on written confirmation via email, showing your cancellation number and effective date. Keep all Figo emails and correspondence for at least 2 years after cancellation.

Mistake 3: cancelling without addressing pending claims

If you have submitted claims awaiting reimbursement, cancelling immediately may delay or jeopardize those reimbursements. Before you cancel, confirm with Figo that all outstanding claims have been processed and paid. If claims are pending, request a timeline for payment and ask whether cancellation affects claim eligibility. In most cases, Figo honors claims submitted before your cancellation date, even if payment occurs after cancellation.

Mistake 4: missing the refund deposit deadline

Figo processes refunds within 10 to 15 business days, but bank processing adds 2 to 5 additional days. If you do not see your refund within 21 days of cancellation, take action immediately. Contact Figo to confirm the refund was sent, and if so, request the transaction reference number. If Figo did not send the refund, file a formal written complaint with Tocancel's escalation team.

After you cancel: what happens next

Cancellation is the start of a process, not the end. Here's what to expect in the weeks following your cancellation request.

Your coverage end date and transition plan

On your coverage end date, Figo Pet Insurance no longer covers any veterinary expenses. If you have a new insurance provider, ensure their coverage begins the day after Figo ends to avoid a gap. If you are switching providers, obtain a transfer letter from Figo documenting all claims history and any pre-existing conditions listed on your file. This letter helps your new insurer underwrite your policy accurately and prevents them from denying claims based on conditions Figo already excluded.

Retrieving your policy documents and claims history

After cancellation, request an official copy of your complete policy file and claims history from Figo in writing. Include your policy number and request the documents within 30 days. Figo must provide these at no charge. Store this file securely for 7 years; you may need it for tax purposes, future insurance applications or regulatory disputes.

Monitoring your credit and bank accounts

After cancellation, verify that Figo does not attempt to charge you again. Monitor your bank and credit card statements for 3 months after your cancellation effective date. If an unauthorized charge appears, contact your bank immediately and dispute the transaction. Report the incident to Figo in writing as well.

Your rights under canadian consumer protection law

Canadian federal and provincial consumer protection statutes give you concrete rights if Figo does not honor your cancellation or refund request.

The consumer protection act and your legal position

Under federal and provincial consumer protection laws, Figo must:

• Provide clear, written cancellation instructions on or with your policy documents
• Accept cancellation requests via phone, email or other accessible method
• Confirm cancellation in writing within 5 business days
• Process refunds due to you within 10 to 15 business days
• Not charge hidden fees or penalties not disclosed in your policy
• Respond to written complaints within 30 days

If Figo violates any of these obligations, you have the right to file a formal complaint with your provincial insurance regulator.

Escalation: filing a complaint with your provincial regulator

If Figo refuses to cancel your policy, denies a refund you are entitled to, or does not respond to your cancellation request within 10 business days, escalate to your provincial superintendent of insurance or consumer protection authority. Each province has a regulator responsible for enforcing insurance law:

Filing a complaint with your provincial regulator is free, confidential and does not require a lawyer. Regulators can compel Figo to honor your cancellation or refund if they find the company violated the law.

Should you keep or cancel Figo: a decision checklist

Use this checklist to make a confident decision about whether cancellation is right for you.

If most of your answers align with "Keep Figo," hold your policy. If most align with "Cancel Figo," proceed with confidence using the steps outlined above.

Contact Figo to begin your cancellation

You are ready to cancel. Here is the contact information for both Figo services in Canada.

Figo pet insurance contact details

Phone: Consult your policy documents for the customer service line (varies by province)
Email: Customer support email is listed on your policy or at figo.com/ca
Online cancellation: Log into your Figo account portal and select "Cancel Policy" in account settings
Mailing address for written requests: Check your policy documents for the registered office address

Figo trattoria contact details

Phone: +1 647 748 3446
Address: Confirm via Figo Trattoria's website for the current restaurant location
Hours: Call to confirm business hours before attempting cancellation

Next steps if Figo refuses to cancel

If Figo does not respond to your cancellation request within 10 business days, or if they refuse to cancel without legal grounds, you have escalation options. Contact your provincial insurance superintendent or file a complaint with the Ombudsman for Banking Services and Investments (OBSI) at obsi.ca. Both are free and independent. Tocancel has helped thousands of consumers cancel insurance policies when companies refused, and we recommend documenting every communication in writing. If you encounter resistance from Figo, connect with Tocancel for guidance on your specific situation and next steps forward.

Cancelling Figo Pet Insurance or a Figo Trattoria reservation is your consumer right. You control the timeline, the method and the outcome. By following the steps above and understanding your legal protections, you take charge of your financial commitments and make space for better coverage or dining experiences. Tocancel is here to support you every step of the way. Whether you're navigating refund disputes, missing confirmations or regulatory escalation, Tocancel provides clarity and advocacy when companies create friction. Your cancellation is not complicated; you simply need the right information. Start today by gathering your account details and making your first call or sending your first email. You have the law on your side.