This was a low risk exposure in regard to HIV. Staistically, it is unlikely your escort partner has HIV, especially if you mean "escort" in the same sense we do on this forum:  a "high end" (expensive) female sex worker by appointment, as opposed to brothel workers, bar pick-ups, etc. Most know the score, protect themselves, have relatively low risk clients (men like you), and get tested regularly -- all of which seems to fit with what she told you. Second, condoms are considered completely effective if they cover the head of hte penis and the meatus (urethral opening), which apparently was the case for the event described. Third, blood in this setting does not significantly elevate the risk of HIV:  the concentration of virus in blood is not significantly higher than in cervical/vaginal fluids.

From a medical/risk perspective, there is no reason for being tested for HIV, and if somehow I were in your situation, I would not be tested and would continue unprotected sex with my wife without worry. That said, some anxious persons are more reassured by negative test results than by professional opinion, no matter how expert. (We don't take it personally!) If you'll sleep better with a negative test result, feel free. (This does not mean I really believe you actually are at sufficient risk to be tested. I do not:  this would be strictly for reassurance.) If you get tested, you could have a 90% reliable result with an AgAb (4th generation) blood test 3 weeks after the event, and a conclusive result at 6 weeks.

I hope these comments are helpful. Let me know if anything isn't clear.

HHH, MD