Lost Stone/ring Insurance?

I looked down at my ring this morning to discover one of the side stones (aquamarine) was missing. Definitely not a good start to the day 🙄. I searched the entire house with no luck (I know it was there last night and hadn’t gone anywhere expect outside to let the dog out). At this point, I figure we’ll just have to replace the missing stone.

That being said, does anybody have experience having lost stones replaced with jewelry insurance? My FH opted for no appraisal or insurance when he bought the ring. He proposed about a month ago and the jeweler has a “too bad” attitude about the stone falling out so soon. FH also got a matching band with multiple small stones in it and I’m already nervous about something happening!