This may sound strange, but is there a safe/covered means of doing DATY?  DATY is a wonderful experience but I hesitate to swap fluids with a provider.  It seems a little odd to me that some providers want no part of DFK and will only do CBJ, yet have no issue with doing DATY.  Any thoughts?

There are dental dams (aka female condoms) availabe. A piece of Saran Wrap can be used. It is also safer (though not 100%) to limit your target to her clit and not lick her vagina; the fluids are in the vagina and not around the clit.