Healthy Paws App vs Scratch Plans
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Healthy Paws App
Easily submit pet insurance claims by taking a photo of your invoice. Track claim status, manage your account, and receive important updates. Get reimbursed quickly for your pet's veterinary care.
- Submit claims with photos
- Check claim status
- Manage account details
- View policy messages
- Update personal and billing info
- Change reimbursement method
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When it comes time to submit a claim, simply take a picture of the invoice and submit it via the app—no paperwork necessary. Most claims are processed within two days, and you can get updates on the status of your claim via the app. Use the Healthy Paws app to: • Submit a claim by taking a picture of your invoice • Check your claim status • Manage your account • View messages from Healthy Paws about your claims or policy • Update your personal information and billing information • Change your claim reimbursement method Healthy Paws' top-rated pet insurance plan for cats and dogs provides coverage for injuries and illnesses. Peace of mind with pet insurance means you can focus on getting your pet optimal veterinary care in times of need. Visit any licensed vet with an easy-to-understand pet insurance plan, and get reimbursed quickly with no limits on claim payouts for the lifetime of the policy. Coverage includes new injuries and illnesses, emergencies, genetic conditions, and much more. Not a Healthy Paws pet parent? Get a quote at www.healthypaws.com to get started.
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.
- 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
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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
Screenshots
Verdict
The clearest difference is rating: Healthy Paws App at 4.3 against Scratch Plans's 2.9. Healthy Paws App also leads on review sentiment (69% vs 34%) and ratings volume (461 vs 51). Scratch Plans's advantage is iOS requirement (15.0 vs 26.0). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Healthy Paws App holds the better App Store score, 4.3 against 2.9. That said, the two scores are not equally well evidenced: Healthy Paws App has 461 ratings behind it against 51, so its average is the more settled of the two. Written reviews point the same way: 69% of Healthy Paws App's written reviews are positive against 34% of Scratch Plans's.
Healthy Paws App ships an update every 2 months, Scratch Plans every 5 months. The most recent releases landed on October 23, 2026 and October 22, 2026 respectively.
| Parameter | Healthy Paws App | Scratch Plans |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (461 ratings) — better | 2.9 (51 ratings) |
| Positive reviews | 68.8% of reviews — better | 34.5% of reviews |
| Number of ratings | 461 — better | 51 |
| Update frequency | Every 2 months — better | Every 5 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 26.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 103 MB | 28 MB |
| Age rating | 4+ | 12+ |
| Developer | Healthy Paws Pet Insurance | Scratch Financial |
Customer experience
Healthy Paws App
Scratch Plans
Bugs and requests
Healthy Paws App
Reported bugs
3 issues- App crashes frequently
- Login and claim submission issues
- Inability to view claim details in app
Requested features
4 requests- Improve app stability and functionality
- Provide more transparency on premium increases
- Streamline cancellation process
- Enhance customer service communication
Scratch Plans
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Healthy Paws App
No in-app purchases
Scratch Plans
No in-app purchases
Questions
Is Healthy Paws App free?
Is Scratch Plans free?
Which has better reviews, Healthy Paws App or Scratch Plans?
Do Healthy Paws App or Scratch Plans have ads?
Which is updated more often, Healthy Paws App or Scratch Plans?
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