Comparison

Fetch Pet Insurance 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

Fetch Pet Insurance

This app provides comprehensive pet insurance for cats and dogs, allowing users to file claims quickly by scanning and uploading documents. It offers virtual support, transparent payout details, and access to exclusive pet wellness savings.

Highlights
  • Scan and upload documents for claims
  • View claims overview
  • Transparent payout details
  • Monitor deductible status
  • 24/7 virtual support
  • Direct deposit for faster reimbursement
  • Online pharmacy access
  • Access Fetch Health Perks
Features
Read full description

Fetch Pet Insurance offers the most comprehensive pet insurance for cats and dogs. File claims in minutes, get virtual support and see for yourself why it’s the top-rated app in pet insurance. Inside the Fetch Pet Insurance App: SCAN AND UPLOAD DOCUMENTS IN SECONDS: Snap photos of invoices or multi-page medical records and submit them as one seamless file for faster claims. VIEW YOUR COMPREHENSIVE CLAIMS OVERVIEW: Get a clear view of all past and current claims, plus invoice details, medical records and payment updates. SEE TRANSPARENT PAYOUT DETAILS: For all approved claims, you can see a detailed breakdown of your payout (your Explanation of Benefits). MONITOR YOUR DEDUCTIBLE STATUS: Use your Explanation of Benefits to see how much you’ve already paid toward your deductible. ACCESS 24/7 VIRTUAL SUPPORT: Our interactive chatbot is ready whenever questions come up, day or night. GET REIMBURSED FASTER: Sign up for direct deposit and enjoy secure payments up to 10 days faster — there are no hidden fees. ONLINE PHARMACY: Use the Fetch app to conveniently find prescriptions through Fetch Pet Rx (only available in the US) and receive up to 100% reimbursement on eligible medications. ACCESS FETCH HEALTH PERKS: Through the app, members also gain exclusive access to Fetch Health Perks: a curated marketplace featuring more than $1,500 in savings on trusted pet wellness brands, from nutrition to training. About Fetch Pet Insurance Our pet insurance is built to give you confidence and security. We cover more types of injuries and illnesses than other providers, plus added benefits like sick-visit exam fees and full-mouth dental coverage. Tailor your plan to match your budget and your pet’s needs. Select the deductible that works for you and choose reimbursement options up to 90%.

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

Fetch Pet Insurance4 screens
Scratch Plans4 screens

Verdict

The call

The clearest difference is rating: Fetch Pet Insurance at 4.8 against Scratch Plans's 2.9. Fetch Pet Insurance also leads on update cadence (every 3 weeks vs every 5 months) and ratings volume (30K vs 50). 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

Fetch Pet Insurance holds the better App Store score, 4.8 against 2.9. That said, the two scores are not equally well evidenced: Fetch Pet Insurance has 30K ratings behind it against 50, so its average is the more settled of the two. Written reviews point the same way: 47% of Fetch Pet Insurance's written reviews are positive against 34% of Scratch Plans's.

UpkeepUpdate frequency

Fetch Pet Insurance ships an update every 3 weeks, Scratch Plans every 5 months. The most recent releases landed on October 21, 2026 and October 14, 2026 respectively.

Scorecard4 real differences · 6 level
Fetch Pet Insurance versus Scratch Plans: the parameters behind the verdict, then further details
ParameterFetch Pet InsuranceScratch Plans
PriceFreeFree
Rating4.8 (30K ratings) — better2.9 (50 ratings)
Positive reviews46.9% of reviews — better34.5% of reviews
Number of ratings30K — better50
Update frequencyEvery 3 weeks — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.115.0 — better
Further details — not scored
Size99 MB28 MB
Age rating4+12+
DeveloperFetch Inc.Scratch Financial

Customer experience

Fetch Pet Insurance

All ratings29,719 ratings
Positive96.8%
Neutral1.4%
Negative1.8%
Written reviews277 reviews
Positive46.9%
Neutral6.5%
Negative46.6%

Scratch Plans

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

Bugs and requests

Fetch Pet Insurance

Reported bugs

7 issues
  • Invisible/white modal covers screen
  • Submit button not working
  • Inability to view EOBs in app
  • Policy and document access issues
  • Automated chat freezes or crashes
Show 2 more
  • App crashing often
  • Billing and payment issues

Requested features

2 requests
  • Allow adding another parent/tutor to account
  • Provide option to cancel plan in-app

Scratch Plans

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Fetch Pet Insurance

No in-app purchases

None

Scratch Plans

No in-app purchases

Questions

Is Fetch Pet Insurance free?
Fetch Pet Insurance 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, Fetch Pet Insurance or Scratch Plans?
Fetch Pet Insurance is rated higher. Fetch Pet Insurance averages 4.8 out of 5 from 30K ratings, while Scratch Plans averages 2.9 from 50 ratings.
Do Fetch Pet Insurance or Scratch Plans have ads?
Neither Fetch Pet Insurance nor Scratch Plans shows ads.
Which is updated more often, Fetch Pet Insurance or Scratch Plans?
Fetch Pet Insurance ships an update every 3 weeks, and Scratch Plans every 5 months. Most recently, Fetch Pet Insurance was updated on October 21, 2026 and Scratch Plans on October 14, 2026.

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