diff --git a/src/layouts/payment-method/payment-method.vue b/src/layouts/payment-method/payment-method.vue
index f3ada1154..4604c1f4c 100644
--- a/src/layouts/payment-method/payment-method.vue
+++ b/src/layouts/payment-method/payment-method.vue
@@ -560,9 +560,10 @@ export default {
             const piaInsurance = this.getSettingValue(experimentSettings.PIA_INSURANCE);
 
             const isEnabled =
-                piaExperience === "PIA Optional" ||
-                piaExperience === "PIA Required" ||
-                piaInsurance === "true";
+                (piaExperience === "PIA Optional" ||
+                    piaExperience === "PIA Required" ||
+                    piaInsurance === "true") &&
+                this.currentDeductible !== 0;
 
             return !isEnabled;
         },