Look for jewelry styles made of the metal she wears most frequently. For gifts that are sure to please, think stylish hoop earrings and classic 18k gold necklaces. Look for vivid color that attracts your eye. In general, the better the color and clarity of that gemstone, the higher the price of the gemstone. Sapphires present the best gemstone value, and their cool hue looks stunning set in platinum.
Emeralds have beautiful color, but are very rare and expensive with excellent clarity.
Rubies are the most precious and expensive of the three. Pearls range in price from tens of thousands of dollars to under one hundred dollars. For an excellent value, pearl stud earrings make a classic gift that every woman will love. Look for pearls with high luster, a reflection that makes the pearl look like a deep pool you can almost reach into. As a final assurance, make sure the store you buy from offers a 30-day return policy, and that they have a wide selection so that your recipient has a variety to choose from if they do want to exchange.