Each insurance provider has their own terms and will have different classifications for which sports are classed as extreme. So it’s important to check your cover details before you purchase your insurance.
Most of us would probably agree that free diving, base jumping or hang-gliding are probably risky - relatively speaking! However, you might not think of swimming with dolphins, horse riding, or a ride on an inflatable banana off the beach as such. Unfortunately, you may be surprised at the sort of activities that a travel insurance provider finds dangerous. The only way to be sure you have cover for the activities that you plan to partake in is to check your policy. It will list all the activities included and importantly those excluded from the cover. If your sport isn’t listed, you need to ask your insurance provider.