How to cancel Figo in canada and protect your consumer rights

What Figo is and why cancellation matters

Figo operates two distinct services in Canada: Figo Pet Insurance, a monthly subscription that reimburses eligible veterinary expenses, and Figo Trattoria, a Toronto-based restaurant offering table reservations. This guide walks you through cancelling either service with full clarity on your legal protections and refund entitlements. Whether you're reassessing pet insurance coverage or cancelling a restaurant reservation, understanding your options puts you in control of the process. At Yafee, we specialise in helping Canadians navigate service cancellations with confidence, and we've mapped out every step so you can exit smoothly and informed.

Understanding Figo pet insurance

Figo Pet Insurance is a monthly subscription that reimburses you for eligible veterinary expenses after you pay the veterinary clinic out of pocket. Coverage levels, deductibles and annual maximums vary depending on the plan tier you've selected. The service operates on a rolling monthly basis, meaning you can cancel at any time, subject to provincial insurance regulations and federal consumer protection law.

Understanding Figo trattoria reservations

Figo Trattoria is a restaurant located in Toronto where you reserve a table by phone or in person. Reservation cancellations are handled directly with the restaurant and are subject to their specific cancellation policy, which typically allows cancellations with notice to avoid no-show charges.

Figo pet insurance pricing and coverage details

Understanding your current costs and coverage helps you evaluate whether cancellation aligns with your financial and care needs.

Monthly premium costs for Figo pet insurance

Figo's pricing varies significantly by pet age, breed, location and your selected deductible. The table below shows approximate monthly ranges in Canadian dollars for typical profiles; your actual quote will reflect your specific pet and province. Always request a formal quote from Figo to confirm your exact rate before making cancellation decisions.

What Figo coverage includes

Most Figo plans reimburse 80% of eligible veterinary expenses after you've paid the clinic directly, with annual maximums ranging from $5,000 to unlimited coverage depending on your tier. Pre-existing conditions are typically excluded, and routine preventive care (vaccinations, dental cleanings) is not covered unless you've added a wellness rider to your policy. If your pet's health has improved, you've found a lower-cost provider, or your budget has shifted, cancellation may be the right choice. At Yafee, we recommend comparing at least three alternative providers before you cancel to ensure you're not abandoning better coverage or lower premiums.

Your consumer rights in canada and the cooling-off period

Canadian provincial insurance regulators and federal consumer protection law grant you specific cancellation and refund rights.

The free-look period and your cancellation window

Under the Insurance Act in most Canadian provinces, you have a minimum 14-day "free-look" or "right to examine" period from the date you receive your policy documents. During this window, you can cancel your Figo Pet Insurance policy and receive a full refund of all premiums paid, with no penalty or explanation required. This period is your unconditional exit route. If you cancel after the free-look period expires, your refund entitlement depends on your province's insurance regulations and Figo's policy terms regarding pro-rata (proportional) refunds for the remainder of your billing month.

Your legal position

You have the statutory right to cancel Figo Pet Insurance at any time by providing written notice. If Figo charges you for coverage after your cancellation date, or if they refuse to process a cancellation request, you can file a complaint with your provincial insurance regulator. In Ontario, this is the Financial Services Regulatory Authority (FSRA); in British Columbia, it is the Insurance Council of British Columbia (ICBC); in Alberta, it is Alberta Superintendent of Insurance. Yafee has helped thousands of consumers escalate non-cooperative insurers through these official channels, and the process typically results in swift resolution.

How to cancel Figo pet insurance

Follow these steps to cancel your policy in writing and secure confirmation of your cancellation date.

Step 1: gather your policy information

Locate your Figo insurance policy documents or your latest premium invoice. You will need your policy number, your full name as it appears on the policy, your pet's name and your account email address. Keep this information close at hand throughout the cancellation process.

Step 2: contact Figo via email

Email Figo's customer support team with a clear cancellation request. In your message:

• State explicitly: "I request to cancel my Figo Pet Insurance policy, effective [date]."
• Include your policy number and the name on your account.
• Provide your pet's name and the date your coverage began.
• Request written confirmation of your cancellation date and any refund due.
• Send the email from the address associated with your Figo account.

At Yafee, we advise using email because it creates a documented record that protects you legally if a dispute later arises over whether you actually submitted a cancellation request.

Step 3: request written confirmation

After you submit your email, Figo should respond within 5 to 10 business days confirming your cancellation date and outlining any refund due. In your follow-up communication, explicitly request written confirmation by email. Do not rely on a verbal phone cancellation, as it leaves no proof if Figo later claims they never received your request or processed it incorrectly.

Step 4: verify no further charges

Monitor your credit card or bank account for at least one full billing cycle after your stated cancellation date to confirm that Figo stops charging you. If you see a charge after your cancellation date, contact your bank immediately and dispute the charge while simultaneously sending Figo a second cancellation notice with your previous confirmation email attached. Yafee recommends saving all Figo communications in a dedicated email folder for easy reference during a dispute.

Step 5: confirm refund processing

If you cancelled during your free-look period or if your policy's terms entitle you to a pro-rata refund, ask Figo when the refund will be processed. Refunds typically appear in your original payment method within 5 to 10 business days. If a refund does not arrive within 15 business days of your cancellation confirmation, contact your bank to check whether the refund was issued but processed slowly, then escalate to Figo's management if necessary.

How to cancel a Figo trattoria reservation

Restaurant reservations require immediate contact rather than written notice; this section explains the correct procedure.

Step 1: call the restaurant directly

Contact Figo Trattoria by phone at +1 647 748 3446 during business hours. Clearly state that you wish to cancel your reservation. Provide the following information:

• Your full name as the reservation holder.
• Your reservation date and time.
• The number of guests in your party.
• Your phone number and email address.

Step 2: obtain verbal confirmation of cancellation

Listen carefully as the staff member confirms your cancellation. Ask them to confirm the date and time they are cancelling and whether there are any cancellation fees. If you made a deposit or paid in advance, ask whether that payment will be refunded and within what timeframe.

Step 3: request written confirmation by email

After your phone call, send an email to Figo Trattoria (if their email is available) summarizing your cancellation. Write: "I called today to cancel my reservation for [date] at [time] for [number] guests under the name [your name]. I request written confirmation of this cancellation and the status of any deposit or advance payment." This creates a backup record if the restaurant later claims you did not cancel.

Step 4: monitor refund timeline

Most restaurants refund deposits within 5 to 7 business days. If your refund does not appear within this window, contact the restaurant again to ask for a status update and expected refund date. Retain your email confirmation and phone call notes for reference.

Understanding your refund and pro-rata credits

Your refund entitlement depends on when you cancel relative to your billing date.

Refunds during the free-look period

If you cancel Figo Pet Insurance within 14 days of receiving your policy documents, you are entitled to a full refund of all premiums paid. This is a statutory right under provincial insurance law and cannot be waived by Figo's terms and conditions.

Pro-rata refunds after the free-look period

If you cancel after the free-look window closes, your refund is typically calculated on a pro-rata basis. This means Figo refunds you the unused portion of your premium for the remainder of the current billing month. For example, if your monthly premium is $60 and you cancel on the 10th of a 30-day month, you would receive approximately $40 (20 remaining days ÷ 30 days × $60). Confirm the exact calculation with Figo in writing before you cancel.

Outstanding claims and refund deductions

Figo will not refund premiums for any claims you have already submitted or for coverage that has already been triggered. If you have filed a claim and it is pending reimbursement, cancelling your policy may delay or complicate that claim's processing. Contact Figo to clarify the status of all pending claims before you submit a cancellation notice.

Common mistakes to avoid when cancelling

Cancelling your insurance involves administrative steps that, if overlooked, can create delays or dispute. You are not alone in making these errors; Yafee has counselled hundreds of Canadians through post-cancellation complications.

Mistake 1: cancelling by phone without written confirmation

If you cancel Figo by phone, the customer service representative may note your request on their internal system, but you will have no proof if Figo later disputes whether you actually called. Always follow a phone call with an email that summarizes your cancellation request and includes the date, time and representative's name (if provided). This creates a legally defensible record.

Mistake 2: assuming cancellation is automatic after one message

Sending a single email does not guarantee cancellation. Figo may receive your message but fail to process it promptly, or it may be misdirected to the wrong department. If you do not receive written confirmation within 10 business days, send a follow-up email with your original message copied in. Reference the original message date and request urgent confirmation of cancellation status.

Mistake 3: not verifying the cancellation date

Ensure that the cancellation date Figo confirms in writing matches the date you requested. If you asked for immediate cancellation (effective today) but Figo confirms cancellation effective at the end of the current billing month, you may be charged for additional coverage you did not want. Clarify the cancellation date in writing before you close the communication loop.

Mistake 4: ignoring charges after cancellation

If Figo charges your account after your confirmed cancellation date, do not assume it is a billing error that will self-correct. Immediately dispute the charge through your bank or credit card company while simultaneously sending Figo a formal written complaint (email or registered mail) with your cancellation confirmation attached. At Yafee, we advise treating post-cancellation charges as a priority escalation.

What to do after you cancel Figo

Cancellation does not end your responsibilities; these follow-up steps protect your coverage continuity and financial standing.

Secure alternative pet insurance immediately

If you cancel Figo Pet Insurance, do not leave your pet uninsured unless you have made an intentional choice to self-insure. Many insurers impose waiting periods for pre-existing conditions, meaning any delay in obtaining new coverage could result in gaps. Research and apply for alternative coverage before your Figo policy ends, so your new policy's effective date aligns with Figo's cancellation date.

Update your veterinary clinic records

Contact your veterinarian and inform them that you have cancelled Figo Pet Insurance effective [date]. Request that they update their records so that future invoices do not reference your old insurer. This prevents confusion if you later need to file a claim under new coverage.

Monitor your credit report for disputes

If you had any billing disputes with Figo before cancellation, check your credit report within 30 days to confirm that no negative mark or collection notice has been added. You can access your free annual credit report at Equifax.ca or TransUnion.ca. If an erroneous entry appears, contact the credit bureau immediately to dispute it.

Keep cancellation records indefinitely

Retain all cancellation-related emails, confirmation letters and payment records for at least three years. Insurance regulators and courts may ask for these documents if a dispute later arises over refunds or coverage gaps.

Comparing cancellation methods and timelines

The table below summarizes the cancellation options available for Figo Pet Insurance and Figo Trattoria reservations.

When to escalate your cancellation to a regulator

If Figo refuses to process your cancellation request or continues to charge you after your confirmed cancellation date, you have a legal right to file a formal complaint.

Filing a complaint with your provincial insurance regulator

In Ontario, contact the Financial Services Regulatory Authority (FSRA) Consumer Services Centre at 1-877-372-9652 or submit a complaint online at fsra.ontario.ca. In British Columbia, contact the Insurance Council of British Columbia at 1-877-422-4822 or visit icbc.bc.ca. In Alberta, contact the Insurance Council of Alberta at 1-877-669-4272. Provide the regulator with copies of your cancellation email, Figo's response (or lack thereof) and proof of any charges after your cancellation date. The regulator will investigate and may compel Figo to process your cancellation and issue a refund.

Disputing charges through your bank

If Figo charges you after your cancellation date and refuses to refund the charge, contact your bank or credit card company immediately and initiate a chargeback dispute. Provide your bank with your cancellation confirmation email and Figo's post-cancellation charge on your account statement. Most banks will reverse the charge while they investigate, and the burden shifts to Figo to prove the charge was legitimate. Yafee has seen regulators and banks side consistently with consumers in these disputes when the consumer provides clear written evidence of cancellation.

Checklist: before and after cancelling Figo

Use this checklist to ensure you have completed every step.

Final summary and next steps

Cancelling Figo Pet Insurance or a Figo Trattoria reservation is straightforward when you follow the legal framework and communicate in writing. Under Canadian consumer protection law and provincial insurance regulations, you have the right to cancel at any time and receive a refund of unearned premiums. The key to protecting yourself is documenting every step: send your cancellation request by email, obtain written confirmation from Figo, monitor your account for unauthorized charges, and escalate to your provincial insurance regulator if Figo refuses to comply.

At Yafee, we have helped thousands of Canadian consumers navigate service cancellations and resolve billing disputes with major providers. Our guidance is grounded in statutory consumer protection law, and our process ensures you leave no gap in your legal defences. Whether you are cancelling insurance or a restaurant reservation, follow the steps outlined above, keep detailed records, and do not hesitate to escalate if Figo fails to honour your request. You are in control, and Yafee is here to support your journey toward a smooth and legally secure exit.

Figo contact information:

• Figo Pet Insurance: Contact via email to support address (available on your policy document or at figo.ca)
• Figo Trattoria: +1 647 748 3446 (Toronto location)