Having a brother who served in the military doesn’t make you eligible for USAA insurance. USAA keeps its membership limited to service members and their immediate family, such as spouses and children. Extended family members, including siblings, usually don’t meet the requirements. If you’re ever in doubt, it’s a good idea to contact USAA directly to know your options.

Can siblings of military veterans join USAA?

Siblings of military veterans are not eligible to join USAA. Membership is primarily limited to active duty, retired or honorably discharged military personnel, as well as their spouses, children (including stepchildren) and widows or widowers of existing USAA members. Siblings, cousins, nieces, nephews and unmarried partners generally do not qualify for USAA insurance.

What family members are eligible for USAA insurance?

USAA insurance is available to specific family members of military personnel and veterans. Eligibility is primarily extended to:

  • Spouse: Current spouses of USAA members are eligible. Widows and widowers can retain membership if their spouse was a USAA member before their death.
  • Children: Biological, adopted and stepchildren of USAA members are eligible.
  • Former spouses: Former spouses who have not remarried may be eligible for USAA insurance.
  • Grandchildren: If you’re a grandchild of a USAA member, you can join USAA only if your parent is also a USAA member. 

How do I confirm my eligibility with USAA?

Here’s how to confirm your eligibility for USAA insurance-

  • Visit USAA’s website and click “Join USAA” to begin the process, or call USAA at 210-531-USAA (8722) to confirm eligibility.
  • Enter personal information, such as full name, date of birth, contact details and  Social Security Number.
  • Answer eligibility questions and confirm if you’re active duty, a veteran or an eligible family member.
  • Provide required documentation. You may need to upload or verify military service records (DD214, military ID) or proof of relationship to an eligible family member.
  • Review and submit your application. Double-check your details and confirm everything is correct.

USAA will notify you once your eligibility is confirmed and your membership is active.

Final thoughts

USAA offers great benefits, but membership isn’t open to everyone. It’s for military members and their families, such as spouses, children and sometimes even grandchildren. If you’re unsure whether you qualify, the easiest way to find out is to check directly with USAA. A quick call or visit to their website can clarify things and help you take the next step if you’re eligible.

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Meet our editorial team
author-img Shivani Gite Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network. Laura completed the pre-licensing course in Personal Lines Property & Casualty Insurance in Nevada.