diff --git a/src/layouts/payment-method/payment-method.vue b/src/layouts/payment-method/payment-method.vue
index 04ecc27f4..f9d765c32 100644
--- a/src/layouts/payment-method/payment-method.vue
+++ b/src/layouts/payment-method/payment-method.vue
@@ -807,10 +807,7 @@ export default {
             const piaInsurance = this.getSettingValue(experimentSettings.PIA_INSURANCE);
 
             if (this.isInsurance) {
-                return (
-                    piaInsurance === "true" &&
-                    (this.currentDeductible > 0 || +this.totalAmountDue > 0)
-                );
+                return piaInsurance === "true" && this.currentDeductible > 0;
             } else {
                 return piaExperience === "PIA Optional" || piaExperience === "PIA Required";
             }