USAA Membership Eligibility for Family Members

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Updated March 2022

In the USAA Community, we strive to be a trusted place for our members to comment or ask a question about a service USAA provides, connect with other members, or ask questions on military life topics. Each month, we look at the trending topics driven by your questions and comments to address in further detail.


This month, we are taking a closer look at top questions regarding USAA membership eligibility for family members.


Generally, USAA membership is open to active, retired, and separated veterans with a discharge type of “Honorable” and “General Under Honorable Conditions” from the U.S. military and their eligible family members. Here is what you need to know about USAA eligibility for family members.


Who is an eligible family member?

Spouses, widows, widowers and un-remarried former spouses of USAA members who joined USAA prior to or during the marriage, as well as individuals whose parents joined USAA.


Are children of my wife (second marriage) eligible for membership?

YES. USAA members can pass membership eligibility to step-children as well as biological children.


Are children of deceased parents eligible?

For a child to be eligible, the parent must join USAA while living. Once the parent’s USAA membership is established, membership eligibility can be passed on to the member's children. USAA membership cannot be established posthumously for deceased parents.


Can my siblings join?

No. Your USAA membership eligibility cannot be passed to siblings.


Are Parents Eligible for USAA?

No. Your USAA membership eligibility cannot be passed to parents.


Why these eligibility restrictions?

USAA was founded in 1922 when 25 Army officers came together to insure each other’s automobiles.   Since that time, USAA has continued to grow as a membership-based organization. Our eligibility rules reflect USAA’s primary mission…to be the provider of choice for the U.S. military community and their immediate families. This does not reflect USAA’s opinion concerning the desirability or insurability of other family members but rather, a decision to focus our resources on the current eligibility groups.


You can find additional details on USAA eligibility requirements here.


Have any questions I can help answer? Please let me know in the comments.




Disclosures: Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible former dependents of USAA members may join USAA.


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