Are Vet Visits Tax Deductible?
For an ordinary family pet, vet bills are not tax deductible. The main exception is a service animal: under IRS rules, the cost of buying, training and caring for a service animal, including vet bills, can count as a medical expense if you itemize deductions and your total medical costs exceed 7.5% of your adjusted gross income.
The IRS treats a family pet as a personal expense, in the same category as a hobby or household goods. So the short answer for most owners is no: you cannot deduct vet bills, vaccines, food or grooming for a pet that is simply part of the family. There are a few narrow situations where pet-related costs can reduce your taxes.
When pet costs can be deductible
| Situation | What may be deductible | How it is claimed |
|---|---|---|
| Service animal for a disability | Purchase, training, vet bills, food, grooming and supplies | Medical expense on Schedule A (itemized), above 7.5% of AGI |
| Animal used in a business (e.g., guard dog for a business, working farm dog) | Ordinary and necessary costs of the working animal | Business expense |
| Fostering for a qualified charitable rescue | Unreimbursed costs of caring for foster animals | Charitable contribution if you itemize (Van Dusen v. Commissioner) |
| Family pet | Nothing | Not deductible |
This table is general information; tax rules depend on your facts, so confirm with a tax professional.
Service animals: the medical expense rule
The IRS says you can include in medical expenses "the costs of buying, training, and maintaining a guide dog or other service animal" used by a person who is visually impaired, hearing impaired or has other physical disabilities (IRS Publication 502). Maintenance costs such as food, grooming and veterinary care count when they keep the animal healthy enough to do its job.
Two limits apply:
- You must itemize. Medical expenses are claimed on Schedule A. If you take the standard deduction, which most households do, you get no benefit.
- Only the amount above 7.5% of AGI counts. If your adjusted gross income is $70,000, the first $5,250 of total medical expenses is not deductible. With $7,000 of qualifying medical costs, you could deduct $1,750.
Emotional support animals and therapy animals are not service animals under the ADA definition, and pet costs for them are generally not deductible as medical expenses. See can you get a service dog for anxiety for the difference.
Business animals
If an animal genuinely works in your business, such as a guard dog for a commercial property or a herding dog on a working farm, its costs may be deductible as business expenses. A pet that sometimes keeps you company at your home office does not qualify.
Fostering for a rescue
In Van Dusen v. Commissioner (136 T.C. No. 25, 2011), the US Tax Court allowed a volunteer who fostered cats for a qualified charity to deduct unreimbursed vet bills and supplies as charitable contributions, because the costs were incurred in providing services to the charity. The court allowed 90% of her vet and supply costs (the rest were for her own cats) and part of her cleaning and utility costs, but it disallowed amounts of $250 or more that lacked the charity's written acknowledgment. If you foster for a qualified rescue and itemize, keep receipts and get a written acknowledgment from the organization.
What about pet insurance, boarding or adoption fees?
For a family pet, pet insurance premiums, boarding, daycare and adoption fees are personal expenses and are not deductible. Read more in can you deduct dog boarding or daycare on your taxes.
Ways to save on vet bills instead
Since most vet costs can't be written off, the realistic savings come from prevention, comparing clinic prices for routine care, using low-cost nonprofit clinics, and planning for emergencies with savings or insurance. See how much a vet visit costs and browse veterinarians near you.
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This article is general information for pet owners, not veterinary, legal or financial advice. Prices vary by city and clinic; always ask your veterinarian or provider about your own pet.
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