Comparison

Healthy Paws App vs Scratch Plans

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

Head to head
About

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.

Highlights
  • Submit claims with photos
  • Check claim status
  • Manage account details
  • View policy messages
  • Update personal and billing info
  • Change reimbursement method
Features
Read full description

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.

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

Screenshots

Healthy Paws App4 screens
Scratch Plans4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

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.

Scorecard5 real differences · 5 level
Healthy Paws App versus Scratch Plans: the parameters behind the verdict, then further details
ParameterHealthy Paws AppScratch Plans
PriceFreeFree
Rating4.3 (461 ratings) — better2.9 (51 ratings)
Positive reviews68.8% of reviews — better34.5% of reviews
Number of ratings461 — better51
Update frequencyEvery 2 months — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS26.015.0 — better
Further details — not scored
Size103 MB28 MB
Age rating4+12+
DeveloperHealthy Paws Pet InsuranceScratch Financial

Customer experience

Healthy Paws App

All ratings454 ratings
Positive82.4%
Neutral2.2%
Negative15.4%
Written reviews224 reviews
Positive68.8%
Neutral1.8%
Negative29.5%

Scratch Plans

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

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

None

Healthy Paws App

No in-app purchases

None

Scratch Plans

No in-app purchases

Questions

Is Healthy Paws App free?
Healthy Paws App is free to download, with no in-app purchases.
Is Scratch Plans free?
Scratch Plans is free to download, with no in-app purchases.
Which has better reviews, Healthy Paws App or Scratch Plans?
Healthy Paws App is rated higher. Healthy Paws App averages 4.3 out of 5 from 461 ratings, while Scratch Plans averages 2.9 from 51 ratings.
Do Healthy Paws App or Scratch Plans have ads?
Neither Healthy Paws App nor Scratch Plans shows ads.
Which is updated more often, Healthy Paws App or Scratch Plans?
Healthy Paws App ships an update every 2 months, and Scratch Plans every 5 months. Most recently, Healthy Paws App was updated on October 23, 2026 and Scratch Plans on October 22, 2026.

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