The Jewelry Box


The Jewelry Box Blog

What Worldwide Coverage Really Means

on May 7, 2015 10:12 AM

What Worldwide Coverage Really MeansWe 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.

We hope you now feel totally confident in the definition of worldwide coverage. If you have additional questions, please share them in the comments!


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Can you get coverage if you live overseas on an American Base. (APO - Armed Forces Pacific?)

Aisha Bolden

In reply to by Anonymous (not verified)

Hi Aisha - If you are active military, then yes, we would just need to know your regular home address.

Chelsea Drusch

Hi there, what about expats? I can list my parents' address in the U.S. as my "primary address" but I will be living abroad for an extended time period. Would the everything be completely covered as if I were in the U.S.? Also what if the jewelry has been purchased out of the country?

Jenny Kai

In reply to by Anonymous (not verified)

Hi Jenny - If you're residing outside of the country for an extended period of time and are not active military, we're unable to offer insurance. We certainly could do so upon your return, though! As for jewelry purchased internationally, it would be covered as normal. We just may need an appraisal to be done within the US or Canada. Our team would certainly let you know of any requirements during the application process. Thanks!

Chelsea Drusch

My fiancé and I take a 1-3 month trip every year. Would coverage be offered while we are abroad for that length of time?

Toby Lucz

In reply to by Anonymous (not verified)

Hi Toby, thank you for reaching out. We do cover worldwide travel as long as the policyholder resides in the United States or Canada for at least 6 months out of the year. If you would like to discuss further, please give us a call at: 888-884-2424. Thank you and safe travels!

Kristin Fencl

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