Pet healthcare is not eligible — HSAs cover human medical care only.
IRS Pub. 502
A trained service animal for a person with a disability IS eligible (purchase, training, upkeep).
Vault the receipt in Candor and reimburse yourself tax-free — this year or in 20 years. No deadline (IRS Notice 2004-50, Q&A 39).
Start your shoebox — freeInformational only — not tax, legal, or medical advice. Consult a qualified tax professional about your situation. Rules version 2026-07-16, last verified July 2026.