The grading service covers the return and you can select which way you want it sent USPS/Fed/EX etc.
I just sent two higher dollar cards to a TPG, needed quick turnaround, so sent the package USPS overnight, they had the cards the next afternoon, the more valuable of the two(five-figures like yours) was graded and back to me within 5 days. However the insurance limit is 5k. I have private insurance which covered it, but would not be worth getting a policy for a one time event.
Registered mail can be insured up to 50k.
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