Illustration for article titled Can You Use Your FSA and HSA Benefits on Your Pets?

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The common American pet proprietor spends hundreds of dollars on pet medical bills yearly. If you happen to’re considered one of them, you is perhaps questioning in case your veterinary payments are lined by your versatile spending account (FSA) or your well being financial savings account (HSA). The quick reply is not any—however there are a number of exceptions.

Emotional assist or service animals can qualify 

Tax-free FSA or HSA spending doesn’t lengthen to your pets. Nevertheless, you probably have an emotional assist or service animal, then, per the IRS, you can use these funds to pay for bills that assist the animal do its job:

“…the prices of shopping for, coaching, and sustaining a information canine or different service animal to help a visually impaired or listening to disabled individual, or an individual with different bodily disabilities. Basically, this consists of any prices, resembling meals, grooming, and veterinary care, incurred in sustaining the well being and vitality of the service animal in order that it might carry out its duties.”

How animals qualify

By way of qualification, a service animal is defined by the Americans with Disabilities Act as a working animal that assists an individual with a incapacity (like a seeing eye canine), whereas emotional assist animals assist individuals with psychological or emotional disabilities. Nevertheless, remedy animals—one other kind of designation for animals that go to hospitals or nursing properties—are not thought-about certified for discounted medical spending, per the FSA Store.

In case you’re questioning, you can’t simply say your animal is both a service or emotional assist animal to qualify. The IRS solely qualifies bills if you have already got a Letter of Medical Necessityprimarily, a physician’s notice confirming that you simply want an emotion assist or service animal—on the time the vet invoice is incurred.


When you’ve got a professional animal, the bills will be paid straight together with your FSA or HSA card, or with your individual debit or bank card, with funds reimbursed by means of your FSA or HSA. Simply ensure you maintain receipts in case your FSA administrator requires documentation.


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