Veterinarian expenses are not eligible for reimbursement with a Flexible Spending Account (FSA) or Health Savings Account (HSA).
Why Are Veterinarian Expenses Not FSA/HSA Eligible?
Veterinary care is considered a personal expense because it pertains to the medical treatment of animals rather than humans. Under IRS Code Section 213(d), medical care expenses are only eligible for reimbursement if they are incurred for the diagnosis, cure, mitigation, treatment, or prevention of disease in the taxpayer, their spouse, or their dependents—not pets or animals.
According to IRS Publication 502, the cost of caring for animals, including veterinary services, medications, and pet insurance, is not reimbursable under any tax-advantaged health account.
What’s Not Covered?
Routine veterinary visits and examinations
Emergency or surgical care for pets or service animals
Vaccinations, dental cleanings, and parasite treatments
Prescription medications or supplements for pets
Pet insurance premiums or wellness plans
LMN and Exceptions
Veterinarian expenses are not eligible under any circumstances, even with a Letter of Medical Necessity (LMN).
However, there are limited exceptions for expenses related to service animals that assist individuals with disabilities. The medical expenses for the care and maintenance of a qualified service animal—such as a guide dog for the visually impaired or a seizure-response dog—may qualify for reimbursement under certain conditions.
