It really is the best warranty in the business, and they do try to be understanding about individual warranty situations! Really, who else offers you LIFETIME coverage on your ring for any gold, or diamond repair. Unfortunately, as already mentioned the only thing the warranty doesn't cover is total loss of the whole, piece, but I know that they're more than willing to fill out a diamond certificate that you can take to your insurance agent to have the piece placed on your home owner's insurance! They WILL work hard to keep offering you the best warranty available!