As I respect your view I disagree with it. Plus you still havent answered the question. What do you expect a breeder to guarantee for the life of a dog??? Also IF there is such a breeder would you please tell us who? I would like to know. I would like to call them and talk with them about this. I am very interested in what exactly this all covers for the Life of a dog. Maybe theres something more I could learn So your saying a older dog say like 10 comes down with arthritis I should refund or replace a dog? I am curious as to what exactly you are talking about. Not to list all the diseases and hereditary problems. Give me an example.