You're welcome. I too have two insurances. It's a bit of a pain, but there wasn't any other way. I only do physical therapies (not beauty) but started spray tanning last year. As I also do face painting and temporary tattoos, I ended up adding to that insurance as I couldn't find one that would cover all the therapies I do as well as the spray tanning. The beauty orientated ones wouldn't do all the massage therapies either... Still, it's not too expensive so that's good.