Detour
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Detour launched in 2021 and quickly built a policy covering 400+ named activities. Their appetite includes skiing, scuba diving, and Grade 5 white-water rafting, which signals they aren't shying away from serious risk. They also offer adventure-specific add-ons like winter sports packages and gear protection, letting you customize around your actual trip.
This suits travelers who do multiple high-risk activities on one trip and need one policy to cover them all. If you're the type to combine mountain climbing with canyon diving, Detour doesn't force you to pick and choose. Their breadth appeals to people who move between different sports throughout the year.