http://www.yorkietalk.com/forums/pup...uy-yorkie.html
Here is an article that might be informative to you
The health guarantee comprises part of the contract of sale and should outline what the breeder warrants or guarantees and usually established to limit their liability in light of sickness or ill health.
Often times only covers a term of one year ... Which is not long enough to cover or defray costs from many genetic illnesses. Watch out for the term Life threatening ahead of diseases or in general what they will cover - many diseases are not life threatening but are debilitating and or significantly affect activities of daily life.
Many breeders offer a replacement puppy in the advent something goes wrong with yours. If you think about this .. this is not much of a warranty as who is going to give up their pup after even just 24hrs of loving them?
Try to negotiate on this term - ask for the cost of the puppy should with in the first year preferably two years some serious illness is diagnosed that requires surgery or lifelong treatments or results in death.
Then if you decide to go ahead with this purchase cover your puppy from day one with pet insurance that covers genetic or hereditary diseases.
$1000 will not do much to cover any serious illness or almost any surgery.