USAA insurance is primarily available to military members, veterans, and their families. Specifically, the following groups are eligible for USAA insurance:
- Active-duty military members from all branches including Army, Navy, Air Force, Marine Corps, Coast Guard, and Space Force.
- National Guard and Reserve members who are actively serving or have previously served.
- Veterans who have been honorably discharged.
- Pre-commissioned officers such as ROTC cadets, academy students, warrant officers, or midshipmen.
- Spouses and widows/widowers of military members or veterans.
- Children and stepchildren of USAA members.
- Grandchildren can qualify if both their parents and grandparents are USAA members.
- Unremarried former spouses of USAA members.
- Adult children of USAA members.
- Nieces or nephews if their USAA member aunt or uncle is their legal guardian.
- Cousins if their USAA member cousin is their legal guardian.
However, parents, siblings, in-laws, girlfriends, and cousins without legal guardianship are not eligible. Also, eligibility requires that the military member or veteran be a USAA member themselves; for example, grandchildren can only qualify if no generations are skipped in USAA membership. Veterans must have an honorable or general under honorable conditions discharge to qualify. Those dishonorably discharged do not qualify
. If someone is not eligible for USAA insurance, USAA Insurance Agency can help find coverage from other national companies
. In summary, USAA insurance is reserved for current and former military members and their immediate family members meeting specific criteria.
