diff --git a/src/layouts/payment-method/payment-method.spec.js b/src/layouts/payment-method/payment-method.spec.js
index ab0a0df99..16b64a58b 100644
--- a/src/layouts/payment-method/payment-method.spec.js
+++ b/src/layouts/payment-method/payment-method.spec.js
@@ -51,6 +51,14 @@ function setupMocks() {
         order: {
             payment: {
                 isPia: false,
+                insuranceCoverage: {
+                    isVerified: true,
+                },
+            },
+            policy: {
+                currentDeductible: 123,
+                isNoComp: false,
+                isItac: false,
             },
         },
         policy: {
diff --git a/src/layouts/payment-method/payment-method.vue b/src/layouts/payment-method/payment-method.vue
index bb12cf8ef..b1563b424 100644
--- a/src/layouts/payment-method/payment-method.vue
+++ b/src/layouts/payment-method/payment-method.vue
@@ -581,7 +581,7 @@ export default {
 
             var isEnabled = false;
             if (this.isInsurance) {
-                return piaInsurance === "true";
+                return piaInsurance === "true" && this.currentDeductible > 0;
             } else {
                 return piaExperience === "PIA Optional" || piaExperience === "PIA Required";
             }