Can I use HSA funds to pay for my Emotional Support Animal?

Our emotional support animals are not only adorable companions that brighten our days, but they also hold a special place in our hearts. However, when it comes to using HSA funds, the IRS has set some pretty strict rules.

HSA funds are intended for qualified medical expenses incurred by you, your spouse, or your dependents as defined by the IRS. Veterinary expenses, including surgeries for your pet—even if it's an emotional support animal—do not qualify as eligible medical expenses under HSA rules.

While certain expenses for service animals (such as guide dogs for the visually impaired) might be considered deductible in specific circumstances, emotional support animals do not meet the criteria for a service animal under IRS guidelines. Therefore, the costs associated with your ESA dog's leg amputation surgery would not be eligible for payment using HSA funds.

For personalized advice or if you have any doubts about your situation, it's a good idea to consult with a tax professional or your HSA administrator.