Just wanted to add my three cents to this thread.. Neither versions 3.13 or 3.15 work at all with a fresh install of Zen 1.3.8a. The checkbox to add the optional insurance does not appear in step 2 of the the checkout. I uninstalled and replaced with v 3.10. It's working perfect.. checkbox shows in step 2 as expected..
Is it possible that the issue might be related to the fact that the option in the admin settings "Offer Shipping Insurance?" is missing in versions 3.13 or 3.15..
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