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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