If you purchased the lifetime Warranty all you pay is a $24.95 processing fee per ring, per claim for a size exchange.  To be considered an exchange it must be an unused (hasn’t been worn) ring. Otherwise, it would fall under the damaged, worn exchange, or broken ring claim for $29.95. For a lost or stolen ring, all you pay is $44.95, and $29.95 for a damaged or broken ring.