Yes, GemShield is a legitimate company that’s been in business since 1997. It specializes in jewelry insurance for consumers.

How much does GemShield cost?

The cost of your GemShield premiums will vary depending on the value of the item you’re insuring and the deductible you choose. For instance, insurance for a $5,000 engagement ring could cost between $52 and $63 annually, depending on your deductible amount.

What does GemShield cover?

GemShield indicates it’s an “all risk” insurer. Your GemShield policy will cover damage, loss, or theft of an insured item. That said, no insurance company will cover everything; there’s always some exclusions. Read the fine print carefully if you’re applying for coverage.

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GEMSHIELD REVIEW: AFFORDABLE JEWELRY INSURANCE WITH FLEXIBLE DEDUCTIBLE OPTIONS

GemShield review 2025: Affordable jewelry insurance with flexible deductible options