JMO, but I don't think you should pay anything other than a full refund of the purchase price. I am disappointed that you would let the puppy go before 12 weeks but that doesn't change the fact that she was offered a health contract and she declined it. If AAA offers me tornado insurance and I decline it, then a tornado destroys my home, I am not entitled to one penny. She may turn around and take you to court but based on what you have told us I don't think you legally owe her the reimbursement, partial or full, of her costs.
I just hope you learn from this and do not let any future puppies go until they are at least 12 weeks.
__________________ Max & Sasha's daddy
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