I sent in an older Zeiss a few years back.

They offered a loaner. Then, apologized a week later that my scope would have to go to Germany to be repaired, and offered a loaner again.

They then repaired a 40+ year old scope and returned it to me with no charge. They even paid the shipping both ways.

I two similar experiences with older Swarovski scopes, and the same with Kahles.

Can't speak to warranty on Schmidt-Bender, as I have never sent one of those back.

Vortex usually just sends a new scope.