Sounds like a plan. We'll arrive Wednesday. My name is Thom and my wife is Amy. She's Hispanic so I'll have a translator. It's great that you are calm, I feel really good about it too.
It's a good idea to look at your policy, but it is possible that the disability insurance will indeed pay. A doctor must deem the insured unable to work. The insurance company would likely want a US doctor to make that assessment. However, there may be an exclusion for elective surgeries. There's no way to know that without looking at the policy. You should be able to call the issuer of the policy and ask.
I'm an insurance agent. In GENERAL, the question is does a US doctor say that you can't go to work.
That's a general response and the answer varies by state and by insurance carrier.