We opted to get the Lifetime Diamond & Color Gemstone Guarantee when we bought my wedding ring 14 years ago. (What? It was an investment at the time, and the one-time price was reasonable, especially if something needed to be replaced in the future.)
In the fine-print is a notation that this is only valid IF inspections have been done by their staff every 6 months. Because I read everything, I saw that, and like clock-work, every six months (yes, for the last FOURTEEN YEARS), I’ve gone in, and they inspect and clean my ring.
Take THAT fine-print. TAKE THAT.