I do know people who are both yoga and reiki, though I do not personally know anyone who does both personal training and reiki. Lots of people carry more than one certification and work in different areas though, so I doubt it is unheard of. My guess is the premium will reflect the practice with the greater statistical risk. You might want to start with a couple of companies that specialize in mind body practitioners, or trainers and compare offers and coverage. Ask if the amount of coverage differs depending on what you are doing, and see if there are discounts based on certifications or experience.