USAA insurance is primarily available to individuals with a military connection. The eligibility criteria include:
- Active duty members of the U.S. military branches: Army, Navy, Air Force, Marine Corps, Coast Guard, Space Force, National Guard, and Reserves
- Retired military members and honorably discharged veterans from any branch of the U.S. military
- Pre-commissioned officers, cadets, midshipmen, ROTC participants, warrant officers, and academy students
- Immediate family members of eligible military members or veterans, including spouses, children (including stepchildren), and in some cases grandchildren if both parents and grandparents are USAA members
- Unremarried former spouses of USAA members may also qualify
- Adult children and former spouses of USAA members can be eligible if the military member or veteran was a USAA member
However, some relatives such as siblings, parents, cousins, nieces, nephews, and significant others who are not spouses do not qualify for USAA insurance
. Parents of military members are not eligible even if their child is in the military and a USAA member
. In summary, to qualify for USAA insurance, you must be either an active or former military member or a close family member (spouse, child, stepchild, or sometimes grandchild) of a USAA member with military service. Proof of military service or family relationship is required to join USAA and obtain insurance coverage
. This military connection is essential and non-negotiable for USAA membership and insurance eligibility
