# Healthy Paws App vs Scratch Plans

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.

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.

## The numbers

| Metric | Healthy Paws App | Scratch Plans |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.3 (461 ratings)](https://appshunter.io/ios/app/healthy-paws-app/id849105071/reviews)** | [2.9 (51 ratings)](https://appshunter.io/ios/app/scratch-plans/id1492643953/reviews) |
| Number of ratings | **461** | 51 |
| Positive reviews | **68.8% of reviews** | 34.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 5 months |
| Monetization | Free | Free |
| Size | 103 MB | 28 MB |
| Requires iOS | 26.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 12+ |
| Developer | [Healthy Paws Pet Insurance](https://appshunter.io/developer/849105074) | [Scratch Financial](https://appshunter.io/developer/1408133639) |

## What reviewers say

### Healthy Paws App

[App page](https://appshunter.io/ios/app/healthy-paws-app/id849105071)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to submit claims
- 🚀 Fast reimbursement
- 💡 Excellent coverage
- 🐶 Caring and responsive to pet's well-being
- 👍 Hassle-free experience

**What reviewers complain about**

- 🔼 Significant premium increases over time
- 🐛 Unreliable app performance
- 🔍 Difficulty canceling policy
- 🤔 Inconsistent claim processing
- 🔍 Requests for redundant medical records

**Reported bugs**

- App crashes frequently
- Login and claim submission issues
- Inability to view claim details in app

**Requested features**

- Improve app stability and functionality
- Provide more transparency on premium increases
- Streamline cancellation process
- Enhance customer service communication


### 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


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