diff --git a/src/layouts/payment-method/payment-method.vue b/src/layouts/payment-method/payment-method.vue
index f1bb25810..3b213891d 100644
--- a/src/layouts/payment-method/payment-method.vue
+++ b/src/layouts/payment-method/payment-method.vue
@@ -805,7 +805,10 @@ export default {
             const piaInsurance = this.getSettingValue(experimentSettings.PIA_INSURANCE);
 
             if (this.isInsurance) {
-                return piaInsurance === "true" && this.currentDeductible > 0;
+                return (
+                    piaInsurance === "true" &&
+                    (this.currentDeductible > 0 || +this.totalAmountDue > 0)
+                );
             } else {
                 return piaExperience === "PIA Optional" || piaExperience === "PIA Required";
             }
@@ -837,6 +840,7 @@ export default {
             return (
                 this.showInsuranceCoverageAs !== coverageStatus.PENDING &&
                 !this.isRecalPriceRemove &&
+                this.isPiaEnabled &&
                 this.hasSettingEqualTo(experimentSettings.DISPLAY_AFTERPAY_BREAKOUT_DISPLAY, "true")
             );
         },