It was also found that 15 per cent would book the activities despite knowing they are no covered.
Mike Pickard, head of travel insurance at esure, said it is "crucial" that people take out travel insurance and ensure they are covered for such experiences.
He added: "Get injured and the medical bills could turn a paradise trip into a nightmare."
Other recent research by esure found that only 48 per cent of people check for severe weather warnings before booking holidays abroad.
The same study found that 79 per cent of people were also unaware of when it is hurricane season in the US.
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