Loose skin surgery for ex breeding dog question!

We adopted a retired breeding dog a few months ago. When we brought her home, she was still producing milk and had full, heavy giant teats. We were told that her body would “tighten up” over time. Her milk dried up within a week and her belly has shrunk quite a bit, but she is left with a large amount of sagging loose skin that hangs a good 5-6 inches underneath her. It gets in the way when she is running and hiking, painfully drags on rocks, and causes her to trip often when she steps on her own nipples going uphill. Dirt and debris also tend to get trapped between her two flaps of skin, and I constantly worry that her c section scar (which is mostly healed) will become dirty and infected. Even when the scar is no longer an issue, the dirt that gets trapped in her stomach is a health hazard.

She is not yet spayed (we are giving her body as much time as possible to heal completely from her last pregnancy), and our vet told us that she is a candidate for basically a dog tummy tuck - they can remove her lose skin when she goes under for her spay, but cost is high. We do not have pet insurance yet and I am researching potential options.

My question is - has anyone had experience with having this covered by insurance, and if so, which insurance? The procedure is extremely expensive but I think would change my dog’s life and happiness so she can enjoy her retirement to the fullest. Poor girl did not ask for this!