What's Covered
Plan covers* :
Broken, bent, or worn prongs
Broken earring posts
Cracked or thinning band or shank on rings
Broken chain, bracelet links or clasp
Loss of diamonds and gemstones due to a defective setting
Ring re-sizing
Pearl restringing
Plan covers* :
Crystal scratches or breaks
Movement failure
Case or bezel damage
Broken stem and crown
Broken clasp or band
Battery replacement
Repair of water damage to water-resistant watches
*Loss of diamonds due to a defective setting is covered.
*Exclusions and limitations apply.
For specific plan details, please refer to your Terms and Conditions.
How It Works
Purchase Coverage
Purchase your JM Care Plan at the same time you purchase your jewelry. Keep your receipt as proof of purchase. You’ll need it if you file a claim.
Wear Worry-Free
You do you, without worry. Rest assured you’re protected from the unexpected.
File a Claim
Contact your jeweler to begin the process. If they aren’t available, we’ll get you started.
Peace of Mind
for Every Piece
When you damage your jewelry, the last thing you should worry about is how to repair or replace it. You need a fast, easy-to-use care plan to get you up and running again.

The JM Care Plan is only available through participating jewelers. When your purchase your jewelry, ask your jeweler if they carry our plan.

While a JM Care Plan provides peace of mind when your jewelry is damaged, it does not include coverage for loss and theft. See below for additional protection options.

The price of a JM Care Plan depends on which type of plan you choose and the value of what you’re protecting. Ask your jeweler for pricing details.

All required care, maintenance, and inspection services specified in your item’s original manufacturer’s warranty must occur to maintain coverage.

Within the first 30 days of purchase, return your item to the jeweler for a refund or replacement. After 30 days, contact the jeweler to initiate a claim. If your jeweler is no longer available, contact us directly. You must have your receipt and JM Care Plan brochure as proof of coverage.

As soon as something happens to your jewelry, initiate your claim with the jeweler and we will do our best to handle your claim quickly. Our goal is to get your jewelry restored as soon as possible.

Your item will be repaired, assuming the damage is repairable, so long as the cost to repair does not exceed the cost of the original product. Otherwise, it will be replaced.

Unfortunately, your receipt and JM Care Plan brochure are your only record of having purchased coverage. There is no alternate way to file a claim.

Simply give your receipt and JM Care Plan brochure to the recipient, and coverage is transferred to them.

JM Care Plans are not renewable after the term expires. See below for additional protection options.

Contact the jeweler you purchased the plan from. If the jeweler is unavailable, please contact JM Care Plan directly for assistance. You may receive a full or partial refund according to your Terms and Conditions.

Looking for additional protection?
Visit Jewelers Mutual Insurance Company for comprehensive protection from damage, loss, theft and mysterious disappearance.