No Health Guarantee a Bad Idea?

I'm looking at getting a pup and all the legit breeder sites say to make sure you get a health guarantee. The dog I want is from a couple who is raising their first litter.

The dog is only $500 and will come with shots and dewormer up to date, and will be checked by a vet the week before I pick it up, but with this being a new hobby breeder, there is no contract or health guarantee.

Should I not buy this adorable dog for that reason? Seller has answered every question I have asked and has sent me pictures of both mom and dad who are both healthy. I'm planning on purchasing this dog just wonder if I'm an idiot for doing it without the guarantee?

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