engagement ring

Wear It With Confidence

Jewelry Insurance with Better Coverage, Better Rates, & Ease

"Fast and easy. Great company
and prices are excellent."
AXA XL
Backed by AXA XL,
Rated A+ Superior by A.M. Best
Google Reviews
5 Stars
"Speedy responses, flexible,
and great coverage!"

Join Zillion & Benefit From:

“We believe you should have the freedom to wear your jewelry for any occasion, without worry… whether it’s traveling the world, training at the gym, a romantic night out or just hanging at home. With Zillion jewelry insurance, you can wear your jewelry with confidence knowing it’s covered.”
– The Zillion Team

Loss Protection

jewelry is covered
when it's lost

Worldwide Protection

jewelry is covered when you travel worldwide

$0 Deductible

$0 deductible for
replacement or repair

Zero Impact Claims

no increase in rates due
to a single claim

Theft Protection

jewelry is covered
when it's stolen

Shipping Protection

jewelry is covered
during shipping

Free Shipping

free prepaid shipping
on repairs

No Hidden Fees

no additional service charges or fees

Damage Protection

jewelry is covered when it's accidentally damaged

Disappearance Protection

jewelry is covered when
it goes missing

Natural Disaster Protection

jewelry is covered from
natural disasters

Satisfaction Guarantee

cancel anytime, full refund
in 1st 30 days

So What's Not Covered?

war/military/government action, nuclear hazard, normal wear & tear, deterioration, intentional acts

Better Coverage

Specialty Jewelry Insurance

Your ring goes missing. Perhaps you left it at the hotel while you were rushing to catch your flight or it was stolen from your apartment. Or you damaged your engagement ring by snagging a prong on your clothes. Don’t worry, your jewelry is Covered & will be replaced or repaired with a $0 deductible. Zillion’s specialty jewelry insurance coverage is worldwide, so you can feel free to travel and wear your jewelry with confidence.

Zillion Better Jewelry Insurance Coverage
Jewelry Insurance Savings

Better Rates

Save Up to 15%, Starting at ~ $2/mo. (billed annually)*

At Zillion, we specialize in jewelry insurance, and better manage risk and control costs through the use of our technology. These savings are passed onto our customers in the form of better rates. You’ll benefit from our modern delivery, exceptional coverage and low costs, all while having full control and flexibility with your policy. Cancel anytime – receive a full refund in the first 30 days (pro-rated thereafter).

Insurance for Any Collection Size

Whether you are looking to insure a single item, or your entire jewelry collection, with Zillion, you will receive the same great low rate on all of your favorite jewelry.

Jewelry Insurance Costs

Protecting your jewelry probably costs much less than you’d think. For most people, the annual cost of a policy is just 1-2% of the replacement value of the item their looking to insure. For example, an insurance policy on a $7,000 diamond engagement ring could cost as little as $70 per year!

A Better Claims Process

Jewelry Replacement & Repair Underway In < 24 hrs.

You lost, damaged, or had your jewelry stolen. Zillion makes it quick and easy to replace or repair your jewelry at $0 cost to you. Learn even more about engagement ring insurance.

Easy Online Claims

Whether you’re at home or on the go when catastrophe strikes, we’ve made it easy for our customers to file their jewelry insurance claims online, from anywhere in the world. Simply visit myzillion.com/claims to submit a claim and let Zillion handle the rest!

Faster Replacement Times

Easy online claims and lightning fast response times from Zillions’ claims team means your jewelry repair or replacement gets underway in as little as 24 hours after you submit a claim!

$0 Deductibles

Having to file a jewelry insurance claim means that a treasured item in your life has become damaged or gone missing. We never want to see our customers deal with added financial stress during an already difficult time. That’s why every policy we provide comes with a $0 deductible on all claims.

Free Shipping Protection

Sending a damaged item in for repair? We’ve got that covered, too! Zillion customers benefit from free prepaid shipping protection on all jewelry repairs.

Zero Impact Claims

Zero impact claims means that filing a single insurance claim will never result in an increased rate.

Engagement Ring Insurance Claim

Jewelry Insurance FAQ's

Zillion’s mission is to make it super easy for you to protect the things you love. We’re an experienced insurance and technology team who take pride in solving problems and delivering a first-class experience to our customers. Our jewelry insurance customers are backed by AXA XL, one of the world’s largest insurance companies and rated A+ Superior by A.M. Best. Visit our about us page to learn more.

Zillion’s primary focus is on insurance for jewelry purchased by customers of our retail & industry partners. Through our technology integration with partner retailers we’re able to offer you the easiest jewelry insurance experience in the industry, and at lower rates. We get what we need directly from the jeweler without forcing you to fill out pages and pages of unnecessary forms. Easy is good!

At Zillion we understand that your jewelry means more to you than just its value. That’s why we take the approach of replacing or repairing your jewelry back to its original specs with $0 deductible…. Yep, $0, no deductible, simply delivering the same jewelry item back to you in the event of a loss.

Zillion insurance covers just about every bad thing that could happen to your jewelry. Some of the most common examples are Theft, Loss, Damage, Mysterious Disappearance and Acts of God such as fires, floods, tornadoes, and hurricanes. There are a few exclusions you should be aware of, including War/Military/Government Action, Nuclear Hazard, and Wear & Tear. For more information about jewelry insurance and our coverage, visit our home page or reach out to us via our help page or help@myzillion.com

Absolutely! Zillion specializes in insuring jewelry of all shapes, sizes, and values. We understand that the sentimental value of jewelry, like your engagement ring, is often greater than the financial value. While you may not be able to get your original engagement ring back, our unique jewelry replacement insurance will ensure you’ll get a replacement that matches your original jewelry specs.

Zillion has some of the best jewelry insurance rates in the industry. We specialize in jewelry insurance, and better manage risk and control costs through the use of our technology. These savings are passed onto our customers in the form of better rates. You’ll benefit from our modern delivery, exceptional coverage and low costs, all while having full control and flexibility with your policy. Cancel anytime – receive a full refund in the first 30 days (pro-rated thereafter).

Zillion has your jewelry covered, even if you’re not the wearer. It is not a requirement to add a wearer, but you may certainly do so by letting us know who you would like to add to your policy. We will make the change by adding the wearer as a co-owner of the insurance. Simply email the wearer’s full name, physical address, phone, and email address to us at help@myzillion.com.

We understand how emotional it can be when your jewelry goes missing. That’s why we put a huge priority on each and every jewelry insurance claim and work quickly with your original jeweler to ensure you get your replacement as quickly as possible. Visit the claims section of our website to let us know what happened and we’ll take it from there and guide you through the process.

A renters or homeowners policy typically provides limited coverage for jewelry unless you pay for a Jewelry Floater. For instance, theft of your engagement ring may only be covered up to $1,500. The most common cause of jewelry loss is called “Mysterious Disappearance,” which is insurance-speak for “OMG, I think I left my wedding ring at the hotel, or I was playing on the beach and my engagement ring just vanished.” Whether you pay for a Jewelry Floater, or not, this jewelry loss may not be covered by your homeowners or renters policy. If this happens to you, you’ll be glad you have jewelry insurance through Zillion. For more details, see our blog post on this topic.

A jewelry service plan is a great way to maintain and service your jewelry. With regular visits to your jeweler to care for your items, you can ensure that they’ll stay in great shape. However, if you miss a checkup and your jewelry is damaged, or if your diamond engagement ring goes missing, altogether, your jewelry service plan or warranty won’t help you. Zillion will, though, with full jewelry replacement. For more details, see our blog post on this topic.

Our partnership with your original trusted jeweler has its benefits. They know your jewelry item best, and can expedite the process of getting your jewelry back to you, and in great shape. We understand that sometimes it is not possible, or feasible, to work through your original jeweler. In these cases, we can work with other jewelers, but would need to review the repair or replacement with them prior to approval. You may express your desire to work with a different jeweler, and pass along their contact information when reporting a claim.

Yes, you may cancel your insurance policy anytime and receive a full refund in the 1st 30 days, or a prorated refund, thereafter.

Yes, we’ll automatically renew your policy before the end of our current term. We’ll send you a notification 30 days prior to remind you and will also let you know a day before we process your payment.

If you have additional questions, the fastest way to obtain an answer is to submit a ticket via our help page. You may also reach us via any of the methods on our contact us page.

Proud Members Of:

Jewelers of America
Jewelers Board of Trade
Jewelers Security Alliance Logo

Proud To Insure Jewelry
With Diamonds Graded By:

Zillion is proud to insure all types of jewelry, including but not limited to engagement rings, with diamonds graded by GIA, IGI, AGS, GSI, & SGL

GIA - Diamonds Graded By
IGI Logo
American Gem Society Logo
GSI Logo
SGL Logo

*Some customers could see a savings of up to 15% for certain jewelry purchases. Enrollment, terms and conditions apply. Savings shown are based on Zillion’s rate comparable to other personal jewelry insurance policies nationwide. Savings names, percentages, availability and eligibility may vary, and are not available in all states including, California, Georgia, Ohio, Oklahoma, Pennsylvania, South Carolina, Virginia and Washington.

Zillion partners with jewelers to offer their customers lower rates on jewelery insurance. If you don’t see your jeweler on our list, we’re sorry, we won’t be able to offer you a quote for insurance.