If in doubt contact the broker/insurer and ask (email is good as then you have a record).
I'm pretty good on detail, but it's quite hard sometimes to be confident there is the complete absence of an exclusion in the whole terms and conditions.
I get an email from my broker - for biking, diving or anything out of the ordinary.
EHIC is not sufficient to rely because then you will exposed for costs to repatriation - for example if you break your leg and need 9 seats plus nurse on the return flight. It's not just the healthcare, it repatriation (which can be costly for medical needs) as well.
But note that many insurers expect you to have EHIC, so that those costs can be reclaimed, so you still need one (and they do expire these days).
