Insure Your Jewelry for all its Worth

Hello! It’s Carolyn again. You might remember me from this round-up! You can usually catch me over on Facebook and Twitter, but I’m back on our blog to talk about a topic near and dear to my heart: how to travel with jewelry.

To be honest, I keep it pretty simple when it comes to jewelry. I essentially wear the same ring, necklace and earrings every single day, but that also means I would be devastated if I lost any of those items. My earrings are especially important to me—they are diamond studs that I inherited from my grandmother, and they are truly one-of-a-kind. I know people feel the same way about their own jewelry, especially engagement rings and wedding bands.

I’ve been lucky enough to travel all over the world, and I’ve brought my favorite jewelry with me everywhere.  On many of those trips, I was carrying just a backpack and a purse, switching hotels often and getting around on all sorts of different planes, trains, even boats! So, I’ll admit it—I’m probably pretty reckless with my jewelry when it comes to travel. I’m just one unzipped pocket or extra-large shower drain away from losing one of my most prized possessions.

Needless to say, I wish I had heard about Jewelers Mutual Insurance Group as they offer worldwide coverage for all types of jewelry—watches, engagement rings, earrings, most pieces you’d find yourself wearing. Their policy covers loss, theft, damage and disappearance, accidental or otherwise. I also discovered that Jewelers Mutual® has some amazing advice for taking care of your jewelry while on vacation: how to travel with it, and how to buy jewelry while traveling.

There are a few tricks to protect your engagement rings, wedding rings and other jewelry while traveling.

  • First things first, you should never put jewelry in your checked luggage. Always keep it in your carry-on, or better yet, wear it!
  • Don’t let anyone else carry your bags with your jewelry inside—all the more reason to keep it safe inside your lighter, personal pieces.
  • If you head to the beach, be super careful while playing in the waves or sand. Your best bet is to leave your jewelry behind in the hotel room (inside the safe, not just in your luggage!).
  • And while you’re walking around, don’t show off your jewelry. Tuck your fancy pendants inside your shirt and turn your engagement ring inwards.
  • Still, you never know what’s going to happen—thieves are tricky and accidents will occur—so make sure you INSURE YOUR JEWELRY before you leave home.

One of the best parts of traveling is picking up pieces you couldn’t find anywhere else. That necklace I wear every single day? It’s a gold charm I found at an artisan’s market in Budapest. When you buy jewelry on vacation, there are a few things you should keep in mind. First, do a quick Google search to see if the business is legit. Especially if you don’t speak the language, you want to make sure you’re getting the value you pay for. Choose well-known brands, and ask about return policies—any well-respected jewelry store should have no problem giving you an honest answer about returns. It’s also better to pay with a credit card over cash—that way, you’ll have an electronic record in case any issues arise. Finally, beware of any import taxes. You can check the U.S. tariff data for any country for free here.

If you’re planning on getting engaged overseas or even just traveling for a destination wedding, make sure you check with Jewelers Mutual first. They’ve been around since 1913, so it’s safe to say they know what they’re doing. I definitely know that I’m going to get my jewelry insured before I travel again because the peace of mind it brings is priceless.


Disclosure: This post is sponsored by Jewelers Mutual. While I was compensated to write a post about Jewelers Mutual, all opinions are my own.

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