I will ship all orders within three business days. Packaging costs are included in the shipping cost. I don't charge for handling. Insurance is not included but may be purchased. Please contact me for a quote on international shipping. I accept paypal and personal check. The order is shipped when payment is received or the check has cleared. I hope that you are happy with your purchase from FacetsJewelry, but if you are not, you may return your item in an unused condition within 10 days of shipping and you will be refunded the purchase price. My jewelry is created with high quality materials and attention to detail. With proper care, you can enjoy it for years. If something should break, please let me know and I will be happy to repair it.