Phase 1 — Before buying (5 minutes)
| ☐ Task | Quick note |
|---|---|
| Have every traveller's passport ready | The certificate name must match character for character — copy from the data page, never retype from memory |
| Fix departure + return dates per the tickets | Include transit days and midnight-crossing flights |
| Count the days to insure (both ends) | 1 Sep depart → 8 Sep return = 8 days |
| Decide your plan budget | Visa-only (Plan 1) / with baggage (Plan 2) / with cancellation + higher medical (Plan 3) — see the plan comparison |
| Consider 1-2 buffer days | Cheaper than rebuying or redoing a file |
Phase 2 — On certificate arrival (60 seconds)
The six-line check — why each line matters: the €30,000 guide
☐ Medical limit — its own line, ≥ €30,000 (≈ USD 32,000-35,000)
☐ Repatriation — medical transport + remains named
☐ Geography — "Schengen / all Schengen states"
☐ Dates — departure day through return day, transit included
☐ Names — each traveller matching the passport exactly
☐ Deductible — zero, or understood and accepted
☐ Repatriation — medical transport + remains named
☐ Geography — "Schengen / all Schengen states"
☐ Dates — departure day through return day, transit included
☐ Names — each traveller matching the passport exactly
☐ Deductible — zero, or understood and accepted
Phase 3 — At submission (4 actions)
| ☐ Action |
|---|
| Print the certificate (or prepare the PDF per the receiving office's requirement) |
| File it with the financial/itinerary cluster of your bundle — not mixed into the motivation letter |
| Keep your own copy of the certificate + purchase confirmation (fast resubmission if queried) |
| If returned over insurance: re-run the Phase 2 checklist, fix exactly the flagged line, request reissue same-day |
The three failures behind most returned files
- Below threshold (especially domestic packages) — the "medical limit" line
- A day short (midnight flights, transit) — the "dates" line
- Name mismatch — the "names" line
All three surface within 60 seconds in Phase 2 — which is why this checklist exists.
Quote for your exact trip
Finish Phase 1 and buy in the same sitting
Get a LUMA quote — 5 minutesPassport-exact names and your real itinerary — certificate by email right after payment.
Sources
- Compiled from the €30,000 guide, the buying guide and real prices on this site
- LUMA World Pass — Table of Benefits