Comparison

Scratch Plans vs Paw Protection

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

Paw Protection

Manage your pet's health insurance effortlessly. This app simplifies policy management and claim filing, ensuring you're prepared for unexpected veterinary costs. Focus on enjoying time with your pet, knowing their well-being is covered.

Highlights
  • Pet insurance management
  • Streamlined claim filing
  • Preparedness for pet health
  • Easy-to-use interface
  • Focus on pet well-being
Features
Read full description

Paw Protection is a pet insurance app designed to make caring for your pet’s health simple and stress-free. With our coverage, we help you stay prepared for whatever life brings. Our easy-to-use app lets you manage your pet’s insurance and file claims quickly, so you can focus on enjoying time with your furry family member. Protect what matters most with Paw Protection.

Screenshots

Scratch Plans4 screens
Paw Protection4 screens

Verdict

The call

The clearest difference is rating: Paw Protection at 5.0 against Scratch Plans's 2.9. Paw Protection also leads on update cadence (every 3 weeks vs every 5 months). Scratch Plans's advantage is ratings volume (51 vs 2). 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

Paw Protection holds the better App Store score, 5.0 against 2.9. That said, the two scores are not equally well evidenced: Scratch Plans has 51 ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

Scratch Plans ships an update every 5 months, Paw Protection every 3 weeks. The most recent releases landed on October 22, 2026 and October 2, 2026 respectively.

Scorecard3 real differences · 7 level
Scratch Plans versus Paw Protection: the parameters behind the verdict, then further details
ParameterScratch PlansPaw Protection
PriceFreeFree
Rating2.9 (51 ratings)5.0 (2 ratings) — better
Positive reviews34.5% of reviews—
Number of ratings51 — better2
Update frequencyEvery 5 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better16.0.0
Further details — not scored
Size28 MB22 MB
Age rating12+4+
DeveloperScratch FinancialSwain and Baldwin Insurance, LLC

Customer experience

Scratch Plans

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

Paw Protection

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Scratch Plans

No in-app purchases

None

Paw Protection

No in-app purchases

Questions

Is Scratch Plans free?
Scratch Plans is free to download, with no in-app purchases.
Is Paw Protection free?
Paw Protection is free to download, with no in-app purchases.
Which has better reviews, Scratch Plans or Paw Protection?
Paw Protection is rated higher. Scratch Plans averages 2.9 out of 5 from 51 ratings, while Paw Protection averages 5.0 from 2 ratings.
Do Scratch Plans or Paw Protection have ads?
Neither Scratch Plans nor Paw Protection shows ads.
Which is updated more often, Scratch Plans or Paw Protection?
Scratch Plans ships an update every 5 months, and Paw Protection every 3 weeks. Most recently, Scratch Plans was updated on October 22, 2026 and Paw Protection on October 2, 2026.

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