I am unbelievably lucky that I noticed the sparkling stone sitting on the table at a Christmas party in a hotel ballroom. I had just sat back down at the table after the waitstaff cleared the plates. To my surprise, I looked down at my hand, and realized that the diamond fell out of my engagement ring!
My fiancee paid a premium thinking that Tiffany provided quality. I even cleaned it that afternoon with the small little brush and jewelry cleaning solution they provided, and there was no jiggle, looseness, or sign of any noticeable damage. The customer service staff tells me that one of the six prongs looks slightly bent, and that a snag on something could have bent the platinum! I didn't realize platinum is that easy to bend!!! I thought it's at least less maleable than gold! I would feel better if I remembered hitting it on something, since knowing what I know now, I'd go get it checked immediately. They keep telling me that the six prong Tiffany's setting is supposed to be the most secure. "Supposed to be" really isn't reassuring at this point.
Seriously, how often does this happen? Can anyone recommend a good insurance provider for engagement rings? The only one I've heard of if Jeweler's Mutual. Anything else out there that provides good coverage - enough to replace exactly the same quality stone, if need be?