# Scratch Plans vs Paw Protection

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.

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

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.

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.

## The numbers

| Metric | Scratch Plans | Paw Protection |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.9 (51 ratings)](https://appshunter.io/ios/app/scratch-plans/id1492643953/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/paw-protection/id6737746704/reviews)** |
| Number of ratings | **51** | 2 |
| Positive reviews | 34.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 28 MB | 22 MB |
| Requires iOS | **15.0** | 16.0.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 12+ | 4+ |
| Developer | [Scratch Financial](https://appshunter.io/developer/1408133639) | [Swain and Baldwin Insurance, LLC](https://appshunter.io/developer/1574561405) |

## 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


### Paw Protection

[App page](https://appshunter.io/ios/app/paw-protection/id6737746704)

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:** macOS Compatibility

**In-app purchases:** none


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