First off - Go to Class Act for tattoos.
Second - Don't ever get a tat below the wrist. It's just a bad idea. Not to mention it’ll hurt like hell on the web of your hand there. Even worse on the palm/fingers on the pad.
Third – Don’t let anyone tell you tattoos don’t hurt. But it’s the same kind of pain as paintball, that "Holy SHIT" at first, then ten seconds later it doesn’t matter. I’m not saying pain should be a determining factor, cause it’s not all that bad. Mine didn’t really hurt until towards the end. Even then it was only a fairly dull tinge. But it did hurt. I’d say the worst part was when it started itching, like a week later. That drove me crazy for a few days.

Also-About insurance. I hate insurance companies. With a passion. I like the idea of insurance, that is, having a safety net of sorts, but the people who make money off it are just too damn greedy. Insurance companies should all be non-profit organizations. Period. We’d all be better off if their bottom line wasn’t the only thing that matters.