After already having a particular IME done at the beginning of STD, then again before COD (same field of practice), is it unreasonable to ask for my insurance to request another less than 2 years after the second? These appointments can bring back really difficult thoughts that set me back a lot

Unfortunately your insurer will likely not listen to you and simply schedule them when they feel they need to. However, their right to these assessments are not unlimited so if they ask for it again, let us know and we can discuss (at no cost) with you your legal options and whether the insurer is allowed to send you for that IME, again. Our contact info is below.