Congrats on a new puppy!
When I first got my yorkies I was worried too, I read a lot on here and saw a lot of other problems, so I was always paranoid Rocky was injured or gonna get sick. My two yorkies are actually very durable now
They've fallen, jumped off things, and so far (knock on wood) no injuries! But I totally agree, I wouldn't buy ANY dog with out a health gaurantee! Especially if your paying a lot of money. The health of my puppies when I got them was my number one concern..I didn't care about papers, or that Bella will probably never have enough hair for a topknot.