# Fetch Pet Insurance vs Scratch Plans

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.

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

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.

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.

## The numbers

| Metric | Fetch Pet Insurance | Scratch Plans |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (30K ratings)](https://appshunter.io/ios/app/fetch-pet-insurance/id925165009/reviews)** | [2.9 (50 ratings)](https://appshunter.io/ios/app/scratch-plans/id1492643953/reviews) |
| Number of ratings | **30K** | 50 |
| Positive reviews | **47.1% of reviews** | 34.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 5 months |
| Monetization | Free | Free |
| Size | 99 MB | 28 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 12+ |
| Developer | [Fetch Inc.](https://appshunter.io/developer/956816768) | [Scratch Financial](https://appshunter.io/developer/1408133639) |

## What reviewers say

### Fetch Pet Insurance

[App page](https://appshunter.io/ios/app/fetch-pet-insurance/id925165009)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy claim submission
- 🚀 Quick reimbursement
- 👍 Convenient app
- 👍 Efficient and intuitive
- 👍 Great insurance and communication

**What reviewers complain about**

- 🐛 App doesn't work
- 🐛 Screens don't load, modals don't appear
- 🐛 Claim submission issues
- 🐛 Inability to submit claims
- 🐛 Account page doesn't load

**Reported bugs**

- 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

**Requested features**

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


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