# Scratch Plans vs MetLife Pet

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.

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

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.

Scratch Plans ships an update every 5 months, MetLife Pet every 2 months. The most recent releases landed on October 22, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Scratch Plans | MetLife Pet |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.9 (51 ratings)](https://appshunter.io/ios/app/scratch-plans/id1492643953/reviews) | **[4.5 (29K ratings)](https://appshunter.io/ios/app/metlife-pet/id1534969901/reviews)** |
| Number of ratings | 51 | **29K** |
| Positive reviews | **34.5% of reviews** | 21.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 28 MB | 59 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 12+ | 17+ |
| Developer | [Scratch Financial](https://appshunter.io/developer/1408133639) | [MetLife](https://appshunter.io/developer/482757166) |

## What reviewers say

### Scratch Plans

[App page](https://appshunter.io/ios/app/scratch-plans/id1492643953)

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:** Vision Pro support

**In-app purchases:** none


### MetLife Pet

[App page](https://appshunter.io/ios/app/metlife-pet/id1534969901)

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:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to submit claims
- 👍 Great customer service
- 💡 Comprehensive coverage
- 🚀 Fast claim processing and reimbursement

**What reviewers complain about**

- 🐛 Buggy and unstable app
- 👎 Difficult to navigate and use
- 🔍 Lack of transparency in claims process
- 👎 Slow response times and poor communication
- 🐛 Inconsistent app functionality

**Reported bugs**

- 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**

- 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


## Frequently asked 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 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*