The Jewelry Box Blog

What Worldwide Coverage Really Means

Picture of rings in a shell on the beach

We often boast that Jewelers Mutual’s personal jewelry insurance includes worldwide coverage. Now, we’re not saying that’s not something to brag about, but we do get a lot of questions about the specifics of certain travel situations.

So, look no further for a detailed explanation on what Jewelers Mutual’s worldwide coverage really means.

Home Address

First things first: The home address of the jewelry wearer and the primary applicant, if they’re different, do need to be in the United States or Canada (coverage is not available in Québec).

Let’s define “jewelry wearer.” The address of the person who is actually wearing the jewelry on a regular basis is the one we use to help determine your annual premium.

For example, if your fiancé purchases your engagement ring and your jewelry insurance, his name and personal information will be listed as the primary policyholder.  However, if you don’t live at the same address, your address - the address of the jewelry wearer - is used to determine your premium and eligibility.

(Did we mention he’s also a keeper if he buys you a ring and insures it?)

Global Travel

Once initial eligibility is determined, your coverage accompanies you wherever you travel, across the globe. Whether you travel to another state or province within the U.S. or Canada or to another country, you are still covered for all the same perils you would be at home.



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About Jewelers Mutual Group

Jewelers Mutual was founded in 1913 by a group of Wisconsin jewelers to meet their unique insurance needs. Later, consumers began putting their trust in Jewelers Mutual to protect their jewelry and the special memories each piece holds. Today, Jewelers Mutual continues to support and move the industry forward by listening to jewelers and consumers and offering products and services to meet their evolving needs. Beyond insurance, Jewelers Mutual’s powerful suite of innovative solutions and digital technology offerings help jewelers strengthen and grow their businesses, mitigate risk, and bring them closer to their customers. The Group insurers’ strong financial position is reflected in their 37 consecutive “A+ Superior” ratings from AM Best Company, as of November 2023. Policyholders of the Group insurers are members of Jewelers Mutual Holding Company. Jewelers Mutual is headquartered in Neenah, Wisconsin, with other Group offices in Dallas, Texas and Miami, Florida. To learn more, visit