Go to the Apple Store, click through to buy a watch, make your way down to the AppleCare+ section. Plain as day that you have unlimited accidental damage incidents for $70 - $80 (depending on model, plus taxes).
There are some exclusions, but nothing shocking. Minor cosmetic damage is excluded; that generally means scratches and dents that don’t impair functioning; that’s probably the biggest source of frustration. They also don’t cover intentional damage, so don’t get any ideas about “accidentally” dropping the device in front of your car and going right back in the store. They also don’t cover damage due to “fire, earthquake or other external causes,” but, again, I wouldn’t be surprised if somebody in the store just pretended to not hear that it was your house burning down and process the replacement anyway. Blatant fraud is excluded; removing the serial numbers will get you rejected (and might even get your contact information passed on to the police).
The original poster hasn’t shown any photos of the damage, which makes me rather dismissive of his claims. I suspect that what he’s describing as a “crack” is actually a scratch, which would not be covered. (Diamonds will definitely scratch the display, but not much else will … still, not hard to imagine contact between a wedding ring and the watch causing a scratch.)
A crack is only going to happen if the display is bent … not something that’s happening with the titanium frame to begin with … or else the crack will be the least of the damage. The display could chip or shatter, but nobody would describe either as a “crack.” (And, incidentally, dragging the watch from your car at high speed on rough concrete would not be enough to cause such damage.)
I suppose that a manufacturing defect could cause a crack … but I’ll instantly dismiss this possibility until we have supporting evidence. Apple’s quality control makes it virtually impossible that the first we’d hear of such from a forum post like this, for one. For another, the store would recognize this as something really weird and would know to get the device back to Cupertino for a postmortem, all while treating it casually as a weird-but-still-perfectly-normal warranty / customer service replacement.
So … all in all, this is an extraordinary claim lacking evidence, one that I’m inclined to dismiss accordingly.
b&