USAA Membership Eligibility for Family Members

67 Comments (67 New)

USAA Community Eligibility for Family Members.jpg

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, in our “You Asked, We Answered” (YAWA) series, we look at the trending topics driven by your questions and comments.


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” 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". Eligible former dependents of USAA members may join USAA.


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Thank you for your question! You are eligible through your wife, not your father in law. However, it is best to talk to an eligibility specialist at 1-800-531-8722 to make sure all the details are in order (since we can't discuss specific details about your spouses eligibility in this channel). I hope that helps! Thanks again for posting!

Occasional Visitor

I am a vet and USAA member with home/auto/bank. 


I understand my children/step children are eligible for membership. Once they become a member are then their children eligible to become members? 


Thank you.


@Skipnbtx Thanks for commenting. Yes, you can pass on membership to your children- who can then pass it to their children! Happy New Year!

New Member

USAA has been great to my husband and I with home and auto insurance. I am the veteran in the relationship and have been looking into life insurance for me and have noticed other companies doing a “joint life insurance policy”. Is this something offered at USAA? Or is it at least possible to get my husband his own life insurance policy through USAA?

USAA Service
USAA Service

@Bobbiwasabi, great question! I will have your inquiry forwarded to a specialist for review! ~ Samantha 

Occasional Visitor

I have eligibility thru my mother, my spouse thru me, we were wondering does this extend to in-laws on either side? Such as sister, niece or mother-in-laws? TIA

Frequent Contributor

You must be insane to Join or recommend USAA it is not what it used to be.  They dont care anymore about military so it is better to use a Federal Credit Union.


Thank you for your question @PerfectlyMe240. Membership does not pass through in-laws. You mentioned a sister, if it is your sister she would also be eligible through your mother. I hope that helps answer your question. You can always speak with an eligibility specialist by calling 1800-531-8722. Thanks again for taking the time to post!

New Member

Hello. My cousin because a non-member of USAA since her divorce, can she still get benifits if I add her.


Hi @Sapphiric,

You cousin may still be eligible despite the divorce. I recommend your cousin call to speak with an eligibility specialist at 1800-531-8722. Thank you!