I am sorry to hear about your misfortune! I have had my wedding set for almost 3 years, my husband did purchase the warranty and I am so glad he did because the smaller diamonds have fallen out a few time. They have immediately replaced them with no extra charge to me! The warranty has been honored fully every single time. I am glad he purchased the warranty because it has save me hundreds of dollars. We did not buy from Helzberg but another jewler (Zales). I hope you get your ring fixed, but don't give up on warranties...the way I see it warranties are like our "Car insurance!" I am sure you wouldn't drive without that so you defnitely don't want to wear an expensive ring on your finger without that insurance!
