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I will need the insurance only for a week because I'll be spending a week there not 90 days but they want me to get the insurance for 90 days for some reason.

If I buy it for a week and manually modify the expiration date to satisfy them, would they figure it out? Will they call/email the insurance company? Ask them when it starts and ends?

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    They probably intend to issue you a visa that allows you to stay for 90 days, since that's easier for them and guards you against delays in your return. I would be extremely surprised if you can buy travel insurance for only a week, and I'd be even more surprised if it was cheaper than 90 day insurance.
    – DJClayworth
    Commented Apr 28, 2022 at 21:04
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    ‘Manually modify’ being a euphemism for deception? Which will almost certainly get you banned if discovered.
    – Traveller
    Commented Apr 28, 2022 at 21:10
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    @DJClayworth, where I live you buy travel insurance by the day and each extra day adds to the total cost. I would be very surprised to find 90 day travel insurance cheaper than a short period.
    – Willeke ♦
    Commented Apr 28, 2022 at 22:05
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    @DJClayworth I'm extremely surprised that you're extremely surprised. Yes, one costs like 12 times more than the other. Wasting money for no reason makes me feel stupid
    – user127980
    Commented Apr 28, 2022 at 22:06
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    Immigration officers are very good at spotting deception, and very good at spotting inconsistencies, and they have a lot of resources at their disposal to pursue issues where they feel they need to - up to and including contacting insurance companies to confirm validity. If you engage in deceptive practices, its not over if you aren't found out the first time - at any point for any further travel to the Schengen zone you risk your prior deception being uncovered and you being banned. Buy the insurance, or risk never being able to go back to Schengen and being refused visas elsewhere.
    – user29788
    Commented Apr 29, 2022 at 0:19

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If I buy it for a week and manually modify the expiration date to satisfy them, would they figure it out?

Possibly yes.

Will they call/email the insurance company?

Possibly yes.

Ask them when it starts and ends?

Possibly yes.

Do not commit fraud.

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