I was on a cruise and the young massuese asked if my wife was on board. I replied yes but asked her why did she ask? she said she offered the full range of services, so i took her up on the offer. 15 minutes of full penetration bliss and a hard on like i havent experienced in years. well worth the extra 50 euros
Most masseurs wear white coats and plain underwear. Most will offer "Extras" if asked, but this is usually a Handjob or oral. Rarely full sex. However if the Massuese is happy to do a full strip, then you might be lucky.