I bought a Tiffany etoile ring and it was too big so I returned it, using their shipping return label. They did not warn me that it did not carry insurance. Apparently it was stolen somewhere en route and the box turned up at their warehouse empty. I am calling them now but now sure what I can do. Just a warning to others--I can't believe I assumed I did not need to add my own insurance. I thought with an established company, using their label and return process, it would be covered.