Phil, please don't take this the wrong way, but £750 doesn't cover much these days, and the amount that you are saying is not surprising.
Some of the insurances offered by the likes of the supermarkets, whilst seeming good value, actually don't offer a particularly good degree of cover. My daughter does not receive commission, but she would always recommend Pet Plan. Whilst by no means cheap, the cover is, in her opinion, second to none. I believe that she has Eric covered up to £7K, as she knows the potential cost of veterinary procedures, and with a dog like a working gundog, the injury rate can be quite high, especially one like Eric who will basically crash through gorse, brambles, barbed wire fences etc. Eric does not work, and it was never intended to work him, although he used to go to a gundog club until he became gun shy due to being frightened by a very loud firework.
Nigel .