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119-hr-1842119th CongressWALLET

PAW Act of 2025

Sponsored By: Representative Tenney, Claudia [R-NY-24]

Introduced

Summary

Treats certain veterinary expenses for pets and service animals as medical care eligible for Health Savings Accounts and Flexible Spending Accounts. The bill lets taxpayers use HSA and FSA money for some vet bills and pet insurance, with special rules for service animals and inflation adjustments to caps after 2025.

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  • Families with pets can use HSAs or FSAs for qualified veterinary care up to $1,000 per pet and up to $1,000 per pet health insurance plan. This gives a tax-advantaged way to pay routine and unexpected pet medical costs.
  • People who rely on service animals can treat all veterinary care and pet health insurance for that animal as medical expenses with no dollar cap. This removes the dollar limit that applies to pets.
  • Account holders should note covered "veterinary care" includes diagnostics, medicine, medical equipment, nutritional products, surgery, and other veterinarian-prescribed items. These amounts apply to payments made after the law takes effect.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Tax break for pet and service animal care

This bill would let you treat some pet and service animal costs as medical expenses for HSAs, FSAs, or the itemized medical deduction. For service animals, all vet care and pet insurance you pay for you, your spouse, or dependents would count. For other pets, up to $1,000 per pet for vet care and $1,000 per pet for pet insurance would count. Starting with tax years after 2025, those $1,000 limits would rise with inflation and be rounded to the nearest $50. To deduct on Schedule A, you would need to itemize and have unreimbursed medical costs over 7.5% of income; normal HSA/FSA rules and limits would still apply. Costs must be authorized or prescribed by a state‑licensed veterinarian, and the terms pet and service animal follow federal definitions. These rules would apply to amounts you pay after enactment.

Sponsors & CoSponsors

Sponsor

Tenney, Claudia [R-NY-24]

NY • R

Cosponsors

  • Rep. Ross, Deborah K. [D-NC-2]

    NC • D

    Sponsored 3/4/2025

  • Rep. Malliotakis, Nicole [R-NY-11]

    NY • R

    Sponsored 5/5/2025

  • Rep. Tlaib, Rashida [D-MI-12]

    MI • D

    Sponsored 5/20/2025

  • Rep. Bresnahan, Robert P. [R-PA-8]

    PA • R

    Sponsored 9/17/2025

Roll Call Votes

No roll call votes available for this bill.

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