Schengen travel insurance for couple

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Accepted answer

Article 15 of the Schengen Visa Code mentions that:

The insurance shall be valid throughout the territory of the Member States and cover the entire period of the person’s intended stay or transit. The minimum coverage shall be EUR 30 000.

Presuming your insurance covers two people at once, it should be issued for a sum of more than EUR 60 000. When applying for a visa the consulate will give you a chance to amend your application by providing a different insurance. However if you ignore their recommendation and submit an inadequate piece of insurance, your application will be rejected.

Therefore the answer is: purchase a different insurance or amend your existing policy.

Also note that Schengen consulates only accept policies from approved insurance companies, so you need to make sure your insurance company is on that list before applying.

Upvote:3

I would like to point out that based on my personal experience, travel insurance is not the same thing as Schengen insurance.

Therefore, it is recommended that unless your travel insurance provider can give a reference for its insurance for Schengen countries do not risk rejection, especially as the base coverage of 30,000 EUR can be obtained online for a nominal amount.

I know some people have been rejected because their credit card provides travel insurance (if the tickets are purchased on the card) but this insurance doesn't have the same provisions as Schengen-mandated insurance.

In short, not worth the risk.

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