Comparison

Scratch Plans vs MetLife Pet

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Scratch Plans

Access flexible payment plans for medical expenses with low APR and no hidden fees. Manage your loans, set up autopay, and reapply for new plans easily. Find practices that accept these convenient financing options.

Highlights
  • Low APR payment plans
  • No prepayment penalties or hidden charges
  • Credit score unaffected by rate checks
  • 1-click autopay enrollment
  • In-app loan management
  • Reapply for new plans
  • Find participating practices
Features
Read full description

Scratchpay payment plans start as low as 0% APR, and have no prepayment penalties, hidden charges or deferred interest. Checking your rates & accepting plans will never impact your credit score. With Scratchpay, you can easily make payments, get 1-click access to autopay, keep track of all loan statements, update account information, reapply for new plans directly in-app and much more! Convenient Login. Current borrowers can easily log into their Scratchpay account. Make & Monitor Loan Payments From Anywhere. Log in to securely make loan payments in a couple clicks. Track status of upcoming payments to stay up to date. Secure, 1-click Autopay Enrollment. Securely turn autopay on or off with a click of a button to make paying your Scratchpay bills even simpler. Reapply for New Plans In-app. Need a new loan? Whether you have an upcoming dental cleaning, prescription refill for your pet, eye appointment or an unexpected emergency, Scratchpay makes reapplying for a new plan more convenient than ever. Find Practices Offering Scratchpay. See which medical practices near you offer Scratchpay payment plans. We’re currently offered in veterinary, dental, orthodontic, vision, lasik, chiropractic care, physical therapy, cosmetic surgery, weight loss, primary care, fertility, dermatology, and more! Easily Update Account Information. Add a new payment method, update your billing address and other account details directly in our app. Why Scratchpay? Payment plans starting as low as 0% APR No hard credit checks or hidden fees Higher loan approval rates Available at 11,000 medical practices! Easy, 2-minute application with instant approval decision Checking rates & accepting plans never impacts your credit score Scratchpay: Simple, convenient, secure. Care now, pay later with Scratchpay! Learn more at www.scratchpay.com

About

MetLife Pet

Manage your pet's health and insurance with ease. File claims, track their status, view coverage, and access pet care resources. This app simplifies pet parent responsibilities for policyholders.

Highlights
  • File claims quickly
  • Upload invoices and documents
  • Track claim status
  • View coverage details
  • Manage pet insurance and health records
  • Access 24/7 Telehealth Concierge chat
  • Read pet care articles
Features
Read full description

At MetLife, we know becoming a pet parent comes with a lot of joy and a few surprises. One of those surprises? Just how much there is to keep track of when it comes to your pet’s health and wellness. That’s why we’ve redesigned the MetLife Pet app to make it easier than ever for our policyholders to manage their pet’s health and wellness with confidence, all in one convenient place. Here’s what you can do with the MetLife Pet app: - File a claim quickly and easily - Upload invoices and documents directly from your phone - Track the status of your claims in real time - View your coverage details and remaining plan limits - Receive alerts and messages about your claims - Manage your pet’s insurance and health records - Access 24/7 live Telehealth Concierge chat* - Read personalized pet care articles - Find nearby pet services - Update your contact information - Support for credit card, debit card, or ACH/checking account Payment Types Submitting a claim is simple: Just snap a photo of your invoice and notes, and submit everything right from your mobile device. In fact, 80% of claims are processed in 10 days or less, and you can follow the progress every step of the way. Need help? You can chat with a helpful team member directly through the app or reach us anytime by phone or email. Not a policyholder yet? Get a free quote in minutes at metlifepetinsurance.com.

Screenshots

Scratch Plans4 screens
MetLife Pet4 screens

Verdict

The call

The clearest difference is rating: MetLife Pet at 4.5 against Scratch Plans's 2.9. MetLife Pet also leads on ratings volume (29K vs 51) and update cadence (every 2 months vs every 5 months). Scratch Plans's advantage is review sentiment (34% vs 21%). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

MetLife Pet holds the better App Store score, 4.5 against 2.9. That said, the two scores are not equally well evidenced: MetLife Pet has 29K ratings behind it against 51, so its average is the more settled of the two. Written reviews complicate that: 34% of Scratch Plans's written reviews are positive against 21% of MetLife Pet's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Scratch Plans ships an update every 5 months, MetLife Pet every 2 months. The most recent releases landed on October 22, 2026 and October 23, 2026 respectively.

Scorecard4 real differences · 6 level
Scratch Plans versus MetLife Pet: the parameters behind the verdict, then further details
ParameterScratch PlansMetLife Pet
PriceFreeFree
Rating2.9 (51 ratings)4.5 (29K ratings) — better
Positive reviews34.5% of reviews — better21.3% of reviews
Number of ratings5129K — better
Update frequencyEvery 5 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.015.0
Further details — not scored
Size28 MB59 MB
Age rating12+17+
DeveloperScratch FinancialMetLife

Customer experience

Scratch Plans

All ratings50 ratings
Positive44.0%
Neutral4.0%
Negative52.0%
Written reviews29 reviews
Positive34.5%
Neutral10.3%
Negative55.2%

MetLife Pet

All ratings28,553 ratings
Positive88.4%
Neutral1.9%
Negative9.8%
Written reviews531 reviews
Positive21.3%
Neutral4.5%
Negative74.2%

Bugs and requests

Scratch Plans

Not enough reviews yet to summarise bugs or requests.

MetLife Pet

Reported bugs

4 issues
  • Login issues and inability to stay logged in
  • Crashes and freezes when submitting claims
  • Disappearing or lost claim submissions
  • Inconsistent information between app and website

Requested features

4 requests
  • Ability to upload documents instead of just photos
  • Improved claims tracking and status updates
  • More intuitive and user-friendly app design
  • Direct vet communication and payment options

In-app purchases

None

Scratch Plans

No in-app purchases

None

MetLife Pet

No in-app purchases

Questions

Is Scratch Plans free?
Scratch Plans is free to download, with no in-app purchases.
Is MetLife Pet free?
MetLife Pet is free to download, with no in-app purchases.
Which has better reviews, Scratch Plans or MetLife Pet?
MetLife Pet is rated higher. Scratch Plans averages 2.9 out of 5 from 51 ratings, while MetLife Pet averages 4.5 from 29K ratings.
Do Scratch Plans or MetLife Pet have ads?
Neither Scratch Plans nor MetLife Pet shows ads.
Which is updated more often, Scratch Plans or MetLife Pet?
Scratch Plans ships an update every 5 months, and MetLife Pet every 2 months. Most recently, Scratch Plans was updated on October 22, 2026 and MetLife Pet on October 23, 2026.

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