From their FAQs:
Your post made me look that their site and you seem to be correct.
Do you have an upgrade policy?
Yes. Any natural diamond can be exchanged for 100% credit towards a new natural diamond valued at least 2x the original amount. Any lab grown diamond may also be exchanged for 100% credit towards a new lab grown diamond valued at least 2x the original amount.
The diamond being upgraded must be in original condition and accompanied by the original laboratory grading document. James Allen can also remodel most rings to accommodate the new diamond for a minimal charge.
@kdvln have you spoken to JA about trading in a lab for a natural? it seems to go against what their website states about their ugrade policy.
I must have bought this when their policy was different.
From an associate: "While our policies are always subject to change, I don’t foresee any changes regarding the $7,150 trade-in value in the near future. This policy has remained consistent for the last nine years, with the only recent adjustments allowing exchanges between lab-created and earth-created diamonds, pending review."
Thank you all for the input! I'm finding myself hesitant to move forward, so I am going to wait for now. Especially, since I received clarity on their trade in value for my stone. If I still am feeling the urge to go mined, I will be back to get opinions on stones!