diff --git a/src/store/index.js b/src/store/index.js
index 530dd124..386832f3 100644
--- a/src/store/index.js
+++ b/src/store/index.js
@@ -574,7 +574,8 @@ export const useMainStore = defineStore({
                     zipCode: policy.policyZipCode,
                     referralCorrelationId: order.referralCorrelationId,
                     referralNumber: order.referralNumber
-                }
+                };
+                // Clients (i.e. USAA) may sometimes use member number, which is just policy number by a different name
                 if (this.issConfig.useMemberNumber) {
                     payload.memberNumber = policy.policyNumber;
                 }
diff --git a/src/store/store.spec.js b/src/store/store.spec.js
index 271d1a34..61813d5c 100644
--- a/src/store/store.spec.js
+++ b/src/store/store.spec.js
@@ -1406,6 +1406,43 @@ describe('Store', () => {
                         referralCorrelationId
                     })
                 }));
+                expect(globalMethods.callHttpClient).toHaveBeenCalledWith(expect.objectContaining({
+                    payload: expect.not.objectContaining({
+                        memberNumber: expect.anything()
+                    })
+                }));
+            });
+            it('calls api with member number when useMemberNumber is true', async () => {
+                // Arrange
+                const parentAccountNumber = getRandomString(6, 6);
+                const policyNumber = getRandomString(6, 6);
+                const dateOfLoss = getRandomString(6, 6);
+                const zipCode = getRandomString(6, 6);
+                const referralCorrelationId = getRandomString(6, 6);
+                store.order.parentAccountNumber = parentAccountNumber;
+                store.order.policy.policyNumber = policyNumber;
+                store.order.policy.dateOfLoss = dateOfLoss;
+                store.order.policy.policyZipCode = zipCode;
+                store.order.referralCorrelationId = referralCorrelationId;
+                store.issConfig.isCoverageEnabled = true;
+                store.issConfig.useMemberNumber = true;
+                store.applicationUser.coverageLookupAttempts = 0;
+                globalMethods.callHttpClient = jest.fn().mockReturnValue(Promise.resolve({}));
+
+                // Act
+                await store.getCoveragePolicyInfo();
+
+                // Asserts
+                expect(globalMethods.callHttpClient).toHaveBeenCalledWith(expect.objectContaining({
+                    payload: expect.objectContaining({
+                        accountNumber: parentAccountNumber,
+                        policyNumber,
+                        memberNumber: policyNumber,
+                        dateOfLoss,
+                        zipCode,
+                        referralCorrelationId
+                    })
+                }));
             });
             it('null response by api => insuranceCoverage.coverageType is NONE', async () => {
                 // Arrange