Schengen visa insurance for families with children

Last updated: October 5, 2026 · By the SchengenCompare editorial team

Quick answer

What is the cheapest Schengen visa insurance for a family? For two adults aged 18 to 39 with two children under 10, SafetyWing comes out cheapest in our estimates because children under 10 travel free as dependents on a parent's plan (up to two per family). For adults aged 40 to 59, EKTA and AURAS are cheaper than SafetyWing, since SafetyWing's adult rate rises sharply with age. Every child needs their own certificate.

Insuring a family for a Schengen visa multiplies the cost, and how each insurer prices children matters more than the adult headline rate. SafetyWing's children-free rule changes the answer for a lot of families; for others it does not.

The visa side: every traveler needs a certificate

Children applying for a Schengen visa need their own insurance certificate with the same €30,000 minimum as adults, valid across all Schengen states and for the exact travel dates. Make sure each child is named on a certificate you can attach to their own application, including a child insured as a dependent. See what the certificate must show.

How each insurer treats children

Provider	Children under 10	Children 10 to 17
SafetyWing	Free as a dependent on an insured parent's plan, up to 2 children per family	Full adult rate if buying their own policy
AURAS	Costs more than an adult: about 1.8 times the adult price at age 4 (live-measured)	About 1.6 times the adult price at ages 11 and 16 (live-measured)
AXA, Europ Assistance, Heymondo, EKTA	We have not verified live child prices for these; our model assumes roughly 10% below the adult rate, so treat family totals below as estimates

The SafetyWing rule is the standout: a third child in the same family pays, but two children under 10 cost nothing extra.

What a family trip costs

Estimated totals for two adults aged 18-39 and two children under 10:

Trip	SafetyWing	EKTA (with partner discount)	AURAS	AXA	Heymondo
7 days	~€27	~€37	~€48	~€83	~€74
14 days	~€55	~€69	~€97	~€152	~€139
30 days	~€117	~€134	~€207	~€238	~€268

If the two adults are 40-59, SafetyWing's adult rate is $3.67 to $5.76 per day against $2.24 for 18-39, and the ranking flips for short and medium trips:

Trip	EKTA (with partner discount)	AURAS	SafetyWing	AXA
7 days	~€39	~€48	~€58	~€83
14 days	~€73	~€97	~€115	~€152
30 days	~€141	~€207	~€247	~€238

Source: estimates from the rate model behind our homepage calculator (index.html RATES), per traveler, before any promo except where stated; AXA calibrated on 8 live quotes (September 21, 2026), SafetyWing on its live $2.24/day rate (September 15, 2026), AURAS on its live $1.50/day (October 2, 2026). Always confirm the final price on the insurer's site.

What to watch for, beyond price

EKTA and AURAS limits. Both pay at most $3,000 for any single covered event whatever the headline cover, and they share one underwriter that is not EU-regulated. For children that cap matters more than the price gap, so read our EKTA review and AURAS review first.

SafetyWing's limits. Adults must be 69 or younger, there is no visa-refusal refund, and emergency treatment of pre-existing conditions is limited. Start the policy before departure and keep the dates exact.

Adults 60 and over. EKTA's medical cover drops to $10,000 or less from age 60, below the visa minimum, so it does not work for grandparents travelling with the family.

Refusal risk. If your visa could be refused, AXA is the one that refunds the premium on an official letter (conditions apply). Compare that with the saving elsewhere on our refusal-refund page.

Bottom line

Two adults under 40 with children under 10: check SafetyWing first. Older parents or kids 10 and over: price all of them, since the child advantage fades. Whatever you pick, buy one named certificate per traveler. Run your family through the estimator to see totals for your dates.

Frequently asked questions

Do children need their own Schengen visa insurance?

Yes. Each child applying for a Schengen visa needs their own certificate with at least €30,000 of cover, valid for all Schengen states and the exact travel dates, and make sure a child insured as a dependent is named on it.

Do children travel free on SafetyWing?

Children under 10 travel free as a dependent on an insured parent's plan, up to two children per family. A child aged 10 to 17 who buys their own policy pays the full adult rate.

How does AURAS price children?

Children cost more than adults. In live measurement, a 4-year-old cost about 1.8 times the adult price and children aged 11 and 16 about 1.6 times, on the 35k plan for 90 days.

Is SafetyWing always the cheapest for a family?

No. It is cheapest in our estimates when both adults are 18 to 39 and the children are under 10. For adults aged 40 to 59, EKTA and AURAS come out lower on short and medium trips.

Can a grandparent travel on the same policy as the family?

Not necessarily. SafetyWing covers only up to age 69, EKTA's cover drops below the visa minimum from age 60, and AXA sells at higher age-adjusted rates. Check each older traveler against the provider's age rules.

Ready to check a price?

Compare a few quotes for your family, since child rules differ. Check SafetyWing first if your children are under 10, then AURAS and EKTA.

Check SafetyWing price → Check AURAS price → Check EKTA price →

Paid affiliate links (SafetyWing, AURAS, EKTA): we earn a commission if you buy through them, at no cost to you. AURAS and EKTA share one underwriter that is not EU-regulated; SafetyWing is regulated in Puerto Rico, also outside the EU. How we compare.

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