Studies show over and over that people who have an episode of back pain are likely to have back pain again. A recent study from Sweden reports about half of all patients will seek out health care up to five years later.
You're asking if a second or third episode of back pain is a flare up of the same problem or a new attack. Your primary care provider (doctor, chiropractor, physical therapist) is the one who will make this decision. It's usually based on what caused the symptoms and results of your physical examination.
So while it's true that a previous history of back pain puts you at increased risk for more back pain in the future, each bout of back pain must be examined and classified according to its presentation. You'll need to ask your doctor or therapist to submit proper documentation to the insurance company to prove this.